Guides › Financial Advisor Fees
Updated September 19, 2026. Quick answer: CAPTRUST is less expensive at $500,000: $6,250 a year, versus $11,250 a year for Commonwealth Financial Network, computed from each firm’s own SEC-filed fee disclosure. See the full side-by-side table below for $250,000, $1 million and $2 million.
What each firm charges, side by side
| Account balance | CAPTRUST (annual fee) | Commonwealth Financial Network (annual fee) |
|---|---|---|
| $250,000 | $3,125 | $5,625 |
| $500,000 | $6,250 | $11,250 |
| $1,000,000 | $12,500 | $17,500 |
| $2,000,000 | $22,500 | $30,000 |
CAPTRUST discloses a tiered schedule starting at 1.25% (CAPTRUST Financial Advisors Form ADV Part 2A – Wealth Client Brochure, March 27, 2026); Commonwealth Financial Network discloses a tiered schedule starting at 2.25% (Commonwealth Financial Network Form ADV Part 2A Brochure, March 30, 2026).
What the fee includes, in each firm’s own words
CAPTRUST (CAPTRUST Financial Advisors Form ADV Part 2A – Wealth Client Brochure, March 27, 2026): “Advisory fees, minimum account sizes, and services are negotiable and detailed in the advisory agreement. Advisory fees generally will be calculated as a percentage of total assets under management. Adviser’s standard fee schedule, effective January 1, 2026, is as follows: Annual Advisory Fees Assets Under $10 Million at Initial Funding First $1M at 1.25% Next $1M at 1.00% Next $3M at 0.85% Assets over $5M at .70%”
CAPTRUST’s standard fee schedule (effective January 1, 2026) is marginal/tiered like a tax bracket. At $250,000 and $500,000 the entire balance falls in the first $1M tier, so the fee is balance x 1.25% ($3,125 and $6,250). At $1,000,000 the fee is $1,000,000 x 1.25% = $12,500. At $2,000,000 the fee is ($1,000,000 x 1.25%) + ($1,000,000 x 1.00%) = $12,500 + $10,000 = $22,500.
Commonwealth Financial Network (Commonwealth Financial Network Form ADV Part 2A Brochure, March 30, 2026): “PPS Program Fee Schedules Following are the maximum allowable fee schedules for the various PPS programs. PPS Custom Program (Transactions) The maximum allowable annual management fee schedule for a new PPS Custom Program (Transactions) account is: Account Value Maximum Annual Management Fee Greater than or equal to Less than $0 $750,000 2.25% $750,000 $1,000,000 2.00% $1,000,000 $2,000,000 1.75% $2,000,000 – 1.50%”
This is Commonwealth’s disclosed maximum allowable annual management fee for the PPS Custom Program (Transactions), a whole-balance breakpoint schedule (the single rate for the bracket the account value falls into applies to the entire balance, per the brochure’s own worked breakpoint-schedule example on the preceding page). $250,000 and $500,000 both fall in the $0-<$750,000 bracket -> x2.25% = $5,625 and $11,250. $1,000,000 falls in the >=$1,000,000 and <$2,000,000 bracket -> x1.75% = $17,500. $2,000,000 falls in the >=$2,000,000 bracket -> x1.50% = $30,000. All Commonwealth advisory program management fees are stated to be negotiable between advisor and client, so this is a maximum, not necessarily what every client pays.
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, CAPTRUST runs $6,250 a year and Commonwealth Financial Network runs $11,250 a year: a difference of $5,000 a year at that balance.
Want the full breakdown for either firm on its own? Read the CAPTRUST fee page or the Commonwealth Financial Network fee page for the complete tier table and source citations.
Thinking about leaving one of these firms instead of pricing what you would pay to stay? See what it costs to leave Commonwealth Financial Network, or read the general mechanics of switching financial advisors.
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Source: WiserAdvisor’s service descriptionSources
- CAPTRUST Financial Advisors Form ADV Part 2A – Wealth Client Brochure (March 27, 2026): https://www.captrust.com/wp-content/uploads/2026/03/2026-CAPTRUST-Form-2A-Wealth-Client-Brochure-FINAL.pdf
- SEC Investment Adviser Public Disclosure, CAPTRUST Financial Advisors (CRD #175112): https://adviserinfo.sec.gov/firm/summary/175112
- Commonwealth Financial Network Form ADV Part 2A Brochure (March 30, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032557
- SEC Investment Adviser Public Disclosure, Commonwealth Financial Network (CRD #8032): https://adviserinfo.sec.gov/firm/summary/8032
Methodology. This page was built September 19, 2026, re-pairing figures already archived and independently verified for CAPTRUST and Commonwealth Financial Network from each firm’s own SEC-filed disclosure; sources linked above. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
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