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Updated September 23, 2026. Quick answer: It depends which strategy you pick: CGMI advisory programs offered to Citi Personal Wealth Management clients (Fiduciary Services, MACS Citi Active Allocation, Citi Advisor, Citi Portfolio Manager, Dynamic Allocation Portfolios-UMA) runs from $25,000 to $10,000,000, depending on the specific strategy or model portfolio. At the $25,000 low end, Citi Personal Wealth Management’s own fee schedule works out to $500 a year; strategies at the high end require substantially more.
The minimum, in the firm’s own words
“Fiduciary Services Program – $50,000 … Multi-Asset Class Solutions Program … MACS Citi Active Allocation – $25,000 (Standard), $100,000 (Tax Aware – ETF only, Sustainable Opportunities and Global Opportunities), $750,000 (Tax Aware – SMAs and ETFs) $1,000,000 (Core), and $10,000,000 (Custom) … Citi Advisor Program – $100,000 … Citi Portfolio Manager Program – $25,000 … Dynamic Allocation Portfolios – UMA Program – $25,000”
On waivability: “CGMI has discretion to waive certain account minimums listed above.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| CGMI advisory programs offered to Citi Personal Wealth Management clients (Fiduciary Services, MACS Citi Active Allocation, Citi Advisor, Citi Portfolio Manager, Dynamic Allocation Portfolios-UMA) (lowest-minimum strategy) | $25,000 | $500 | Yes, at the firm’s discretion |
| CGMI advisory programs offered to Citi Personal Wealth Management clients (Fiduciary Services, MACS Citi Active Allocation, Citi Advisor, Citi Portfolio Manager, Dynamic Allocation Portfolios-UMA) (highest-minimum strategy) | $10,000,000 | Varies by strategy | Yes, at the firm’s discretion |
| Source: Citigroup Global Markets Inc. Investment Advisory Programs (Form ADV Part 2A brochure covering Citi Private Bank, Citi Global Wealth at Work, and Citi Personal Wealth Management), March 25, 2026 | |||
The $25,000 low end (several programs’ standard tier) at Citi’s disclosed 2.00% ceiling: $25,000 x 2.00% = $500.
Citi Personal Wealth Management’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $5,000 |
| $500,000 | $10,000 |
| $1,000,000 | $20,000 |
| $2,000,000 | $40,000 |
What else to know
Citi’s advisory program minimums for Citi Personal Wealth Management clients range from $25,000 (the standard tier of several programs) up to $10,000,000 (a custom multi-asset tier), depending on which program and sub-option a client selects.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Citi Personal Wealth Management’s own published fee schedule runs up to $10,000 a year (the published maximum, which the firm says is negotiable); see the full dollar breakdown from Citi Personal Wealth Management’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 Citi Personal Wealth Management, or read the general mechanics of switching financial advisors.
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Source: WiserAdvisor’s service descriptionSources
- Citigroup Global Markets Inc. Investment Advisory Programs (Form ADV Part 2A brochure covering Citi Private Bank, Citi Global Wealth at Work, and Citi Personal Wealth Management) (March 25, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028021
- SEC Investment Adviser Public Disclosure, Citigroup Global Markets Inc. (CRD #7059): https://adviserinfo.sec.gov/firm/summary/7059
- Citigroup Global Markets Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/7059/PDF/7059.pdf
Methodology. This page was built September 23, 2026, quoting directly from Citi Personal Wealth Management’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.
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