Updated July 7, 2026. Quick answer (2026): AUM fees at $1M are about $10,000/year at 1.00%, $7,500/year at 0.75%, and $5,000/year at 0.50% before fund, platform, overlay, trading, tax-prep, or implementation costs. The same quote should be compared against flat annual and hourly/project pricing.
AUM fees at $1M table
| AUM rate | Annual advisor fee | Ask before accepting |
|---|---|---|
| 1.00% | $10,000/year | Does the quote include planning, investment implementation, and tax coordination? |
| 0.75% | $7,500/year | What fee breakpoints apply above $1M? |
| 0.50% | $5,000/year | Is the planning service lighter, virtual-only, or limited to portfolio management? |
Compare nearby balances: AUM fees at $500k, AUM fees at $2M, AUM fees at $3M, and financial advisor fees for a $1 million portfolio.
At $1M, compare the same scope
- A $10,000/year AUM quote may be reasonable if it includes deep planning and implementation.
- A flat annual quote may be cheaper if it includes comparable retirement-income, tax, and portfolio work.
- Ask for all-in costs in dollars, including funds, platforms, overlays, tax-prep, and hourly work.
Methodology
- We convert common AUM rates into annual dollar amounts for a $1,000,000 portfolio.
- We compare AUM with flat annual, hourly, project, retainer, and robo-supported alternatives by scope and cost.
- This page was materially reviewed on July 7, 2026. It is educational, not personalized financial, tax, legal, or investment advice.
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