Guides › Financial Advisor Fees
Updated September 18, 2026. Quick answer: Cambridge Investment Research discloses a maximum, individually negotiated rate of 2.25% in its Cambridge Investment Research Advisors, Inc. Form ADV Part 2A Disclosure Brochure (July 2026). Converted to dollars, that runs $11,250 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
The published numbers
From the Cambridge Investment Research Advisors, Inc. Form ADV Part 2A Disclosure Brochure (July 2026): “The investment advisory fee for accounts managed through the Cambridge Managed Account Platform (“CMAP”) is based on the amount of assets under management, including cash balances deposited in a Federal Deposit Insured Corporation (“FDIC”) insured multi bank program (“Program”). … The investment advisory fee is negotiable and is subject to discounts on a Financial Professional-by-Financial Professional, client-by-client, or account-by-account basis. … The maximum allowable advisory fee that can be charged will not exceed 2.25% of assets under management on an annual basis.”
The published maximum: 2.25% per year (Maximum annual advisory fee (Cambridge Managed Account Platform, Flexible Managed Account Platform, WealthPort Advisor-directed / Team-directed): 2.25%; Maximum annual advisory fee (WealthPort CAAP / UMA programs): 2.15%).
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $5,625 | 2.25% |
| $500,000 | $11,250 | 2.25% |
| $1,000,000 | $22,500 | 2.25% |
| $2,000,000 | $45,000 | 2.25% |
CIRA’s Form ADV does not publish one fixed rate schedule. Advisory fees on its primary managed-account platforms (CMAP, FlexMAP, WealthPort Advisor-directed/Team-directed) are individually negotiated between the client and Financial Professional, subject to a disclosed maximum of 2.25% of AUM annually (WealthPort CAAP/UMA caps at 2.15%). Because there is no standard published tier table, dollar_at applies the disclosed 2.25% ceiling uniformly across all four balances as the maximum a client could legally be charged under this brochure (250000*0.0225=5625; 500000*0.0225=11250; 1000000*0.0225=22500; 2000000*0.0225=45000). Actual fees are typically lower and individually negotiated per client/advisor.
How this compares
Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Cambridge Investment Research’s own published maximum rate runs up to $11,250 a year.
Comparing Cambridge Investment Research against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Cambridge Investment Research Advisors, Inc. Form ADV Part 2A Disclosure Brochure (July 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055573
- SEC Investment Adviser Public Disclosure, Cambridge Investment Research Advisors, Inc. (CRD #134139): https://adviserinfo.sec.gov/firm/summary/134139
- Cambridge Investment Research Advisors, Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/134139/PDF/134139.pdf
Methodology. This page was built September 18, 2026, drawing on Cambridge Investment Research’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure 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. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Is Cambridge Investment Research a fiduciary? See what its own Form CRS says, and how that compares to what you would pay.
What does it take to open an account? See Cambridge Investment Research’s minimum investment, straight from its own Form ADV Part 2A brochure.
See how Cambridge Investment Research compares directly, dollar for dollar: vs SoFi Invest, vs Vanguard Personal Advisor, vs Betterment Premium.
Thinking about leaving Cambridge Investment Research instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.
See how Cambridge Investment Research compares directly, dollar for dollar: vs Charles Schwab.
See how Cambridge Investment Research compares directly, dollar for dollar: vs Empower Personal Wealth, vs TIAA Wealth Management.
Weighing whether to move ahead? Read the full Cambridge Investment Research review, including its fiduciary status and what it costs to leave.
Comparing Cambridge Investment Research against other options? See Cambridge Investment Research alternatives, including a lower-fee full-service firm, a flat-fee route, and a robo/hybrid.
See how Cambridge Investment Research compares directly, dollar for dollar: vs Creative Planning.
See how Cambridge Investment Research compares directly, dollar for dollar: vs Buckingham Strategic Wealth, vs CAPTRUST, vs Fidelity.
How does this compare? See the annual fee on $500,000 at 165 advisory firms, each from the firm’s own filing.
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