Guides › Financial Advisor Fees
Updated September 23, 2026. Quick answer: Acorns is a registered investment adviser. Per its own current fee brochure, a $500,000 account would run $48 a year under its published fee schedule; the minimum to open an account is no fixed published minimum for Acorns Invest Account. Already a client and thinking about leaving? Budget $35.00 per ETF or stock position moved, not a flat account fee. Is it a fiduciary? Yes, as a registered investment adviser, on the advisory services this page covers.
Reviews of comparable advisory firms: Abacus Wealth Partners Review (2026), Ally Invest Robo Portfolios Review (2026) and Ameriprise Review (2026).
Acorns at a glance
| Fact | What Acorns’ own pages say |
|---|---|
| Legal entity | Acorns Advisers, LLC |
| Registration | Acorns Advisers, LLC is registered with the Securities and Exchange Commission (“SEC”) as an investment adviser. |
| Fee on a $500,000 account | $48 a year, per its own current brochure |
| Minimum to open an account | No fixed published minimum for Acorns Invest Account |
| Cost to leave (exit fee) | $35.00 per ETF or stock position moved, not a flat account fee |
What Acorns’ own fee schedule charges
“Acorns currently offers three Subscription Fee Plans, all of which include the Acorns Grow Program Fee and the Acorns Advisory Fee. Acorns “Bronze” (formerly referred to as “Personal”), a $3 monthly Subscription Fee Plan for customers signing up on or before August 16, 2026 and a $4 monthly Subscription Fee Plan for customers signing up on or after August 17, 2026 … Acorns “Silver” (formerly referred to as “Personal Plus”), a $6 monthly Subscription Fee Plan for customers signing up on or before August 16, 2026 and an $8 monthly Subscription Fee Plan for customers signing up on or after August 17, 2026 … Acorns “Gold” (formerly referred to as “Premium”), a $12 monthly Subscription Fee Plan.”
Acorns is a wrap-fee robo-advisory program billed as a flat monthly Subscription Fee, not a percentage of assets, so the annual dollar figure is identical at every balance shown. Three tiers exist (Bronze/Silver/Gold) that differ by which non-advisory features (banking, custom portfolios, etc.) are bundled in, not by account balance; the headline dollar_at uses the base Bronze tier’s current (post-8/17/2026) rate of $4/month x 12 = $48/year, since Bronze is the entry tier that provides the core Acorns Invest advisory service. Silver ($8/mo = $96/yr) and Gold ($12/mo = $144/yr) are the two higher tiers and are listed in full under ‘tiers’. Because the dollar cost does not scale with assets, the effective percentage rate falls sharply as balance rises (e.g. Bronze’s $48/year is 19.2% of a $250 balance but 0.0024% of a $2,000,000 balance) – this is the expected, real consequence of a flat-fee model and is not an error.
| Account balance | Annual fee |
|---|---|
| $250,000 | $48 |
| $500,000 | $48 |
| $1,000,000 | $48 |
| $2,000,000 | $48 |
See the full breakdown, including how the figure is calculated, on Acorns’ own fee page.
Is Acorns a fiduciary?
Acorns Advisers, LLC is registered with the Securities and Exchange Commission (“SEC”) as an investment adviser.
“When Acorns Advisers acts as your investment adviser, we have to act in your best interest and not put our interests ahead of yours.”
Our financial professionals are paid annual base salaries along with discretionary stock options and bonuses dependent on the overall success of the Acorns organization.
Full detail, including the exact registration type and source: Acorns’ fiduciary status, explained.
The minimum to open an account
“There is no minimum account size. Most clients can begin investing with as little as five dollars ($5) and continue investing five dollars ($5) or more at a time into their Acorns account(s).”
No fixed published minimum for Acorns Invest Account. See the full minimum-investment breakdown, including what that minimum would cost per year, on Acorns’ minimum investment page.
What it costs to leave
Acorns’ own Form ADV names outgoing asset transfers as a chargeable “irregular occurrence” without stating an amount, but its own client Program Agreement supplies the real number: $35.00 per ETF or stock position you hold. A three-fund portfolio costs $105 to move in full; a one-fund portfolio costs $35.
Full mechanics, sources, and the ACATS transfer process: how to leave Acorns.
What we would compare it against
Before you decide, run the numbers against another firm using the financial advisor fee comparison, or price the dollar cost of any percentage fee over time with the Financial Advisor Fee Calculator and the Fee Drag Calculator.
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Source: WiserAdvisor’s service descriptionSources
- Acorns Advisers, LLC Wrap Fee Program Brochure (August 3, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053710
- Acorns Advisers, LLC / Acorns Securities, LLC Form CRS (August 3, 2026): https://reports.adviserinfo.sec.gov/crs/crs_165926.pdf
- SEC Investment Adviser Public Disclosure, Acorns Advisers, LLC (CRD #165926): https://adviserinfo.sec.gov/firm/summary/165926
- Acorns Advisers, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/165926/PDF/165926.pdf
Methodology. This page was built September 23, 2026, drawing directly on Acorns’ own current fee brochure and Form CRS, both linked above, plus this site’s own already-published fiduciary, minimum-investment, and (where one exists) how-to-leave pages for the same firm, each independently sourced when it was built. Any distinction we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading Acorns’ own Form ADV Part 2A and Form CRS. We have not used Acorns as a client. Acorns did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Comparing firms? See all 182 advisor firm reviews in one table, with each firm’s type and its fee on a $500,000 account.