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Updated September 23, 2026. Quick answer: $500,000 for Investment Management (Stoker Ostler’s standard advisory relationship). BMO Private Wealth’s own Form ADV Part 2A brochure states this figure directly, though the firm reserves some discretion to adjust it. At that minimum, BMO Private Wealth’s own published fee schedule works out to $5,000 a year.
The minimum, in the firm’s own words
“Our account minimum is typically $500,000. However, we can choose to reduce the account minimum based on certain criteria. These criteria include anticipated future earnings capacity, anticipated future additional assets, assets to be managed, related accounts, account composition, and negotiations with clients.”
On waivability: “However, we can choose to reduce the account minimum based on certain criteria. These criteria include anticipated future earnings capacity, anticipated future additional assets, assets to be managed, related accounts, account composition, and negotiations with clients.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| Investment Management (Stoker Ostler’s standard advisory relationship) | $500,000 | $5,000 | Partially, at the firm’s discretion |
| Source: Stoker Ostler Wealth Advisors Inc. Form ADV, Part 2A, March 31, 2026 | |||
$500,000 sits entirely inside Stoker Ostler’s first marginal tier (First $3,000,000 at 1.00%): $500,000 x 1.00% = $5,000.
BMO Private Wealth’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $2,500 |
| $500,000 | $5,000 |
| $1,000,000 | $10,000 |
| $2,000,000 | $20,000 |
What else to know
BMO Private Wealth (Stoker Ostler Wealth Advisors) does not run its investment-management fee schedule as a named wrap-fee program; the $500,000 minimum and tiered fee schedule both describe the general advisory relationship.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, BMO Private Wealth’s own published fee schedule runs $5,000 a year; see the full dollar breakdown from BMO Private Wealth’s own fee disclosure across several account sizes.
Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? See what it costs to leave BMO Private Wealth, or read the general mechanics of switching financial advisors.
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- Stoker Ostler Wealth Advisors Inc. Form ADV, Part 2A (March 31, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037081
- SEC Investment Adviser Public Disclosure, Stoker Ostler Wealth Advisors, Inc., a part of BMO Financial Group (CRD #111320): https://adviserinfo.sec.gov/firm/summary/111320
- Stoker Ostler Wealth Advisors, Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/111320/PDF/111320.pdf
Methodology. This page was built September 23, 2026, quoting directly from BMO Private Wealth’s own current Form ADV Part 2A / wrap-fee brochure, with the source linked above. The annual-fee-at-the-minimum figure applies that same brochure’s own published fee schedule to the disclosed minimum dollar amount; 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 the firm’s own Form ADV Part 2A. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Weighing whether to move ahead? Read the full BMO Private Wealth review, including its fiduciary status and what it costs to leave.
Comparing BMO Private Wealth against other options? See BMO Private Wealth alternatives, including a flat-fee route and a robo/hybrid, plus a lower-fee full-service firm.
How much do you need to open an account? Compare the minimum investment at 128 advisory firms, each taken from the firm’s own Form ADV Part 2A brochure.