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Updated September 23, 2026. Quick answer: Citizens Private Wealth does not impose a minimum account size for its Wrap Fee Program. Its own brochure states the firm does not impose any minimum account size as a condition for starting or maintaining an advisory relationship, and no minimum amount for assets invested in the Wrap Fee Program.
The minimum, in the firm’s own words
“As noted in Item 4 (Services, Fees, and Compensation), we do not impose any minimum account size as a condition for starting or maintaining an advisory relationship. Similarly, we do not impose any minimum amount for assets invested in the Wrap Fee Program.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| Wrap Fee Program (standard advisory fee schedule) | None; no minimum account size | Varies with account size | N/A (no minimum is imposed) |
| Source: Citizens Private Wealth, LLC (f/k/a Clarfeld Financial Advisors, LLC) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, July 6, 2026 | |||
Citizens Private Wealth’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $3,750 |
| $500,000 | $7,500 |
| $1,000,000 | $15,000 |
| $2,000,000 | $30,000 |
What else to know
Citizens Private Wealth’s own brochure states plainly it imposes no minimum account size for the advisory relationship or the Wrap Fee Program; enrollment instead depends on discretionary criteria such as anticipated future assets.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Citizens Private Wealth’s own published fee schedule runs $7,500 a year; see the full dollar breakdown from Citizens 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 Citizens Private Wealth, or read the general mechanics of switching financial advisors.
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- Citizens Private Wealth, LLC (f/k/a Clarfeld Financial Advisors, LLC) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (July 6, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051015
- SEC Investment Adviser Public Disclosure, Citizens Private Wealth, LLC (CRD #106743): https://adviserinfo.sec.gov/firm/summary/106743
- Citizens Private Wealth, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/106743/PDF/106743.pdf
Methodology. This page was built September 23, 2026, quoting directly from Citizens 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 Citizens Private Wealth review, including its fiduciary status and what it costs to leave.
Comparing Citizens Private Wealth against other options? See Citizens Private Wealth alternatives, including a flat-fee route and a robo/hybrid, plus a lower-fee full-service firm.