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Updated September 28, 2026. Quick answer: Coldstream Wealth Management does not publish a minimum dollar amount to open a Coldstream’s private wealth management service account. Instead, it enforces a $10,000-a-year minimum fee, which becomes the real floor for smaller balances once the percentage schedule alone would charge less than that.
The minimum, in the firm’s own words
“The minimum management fee for private wealth management is $10,000. … The minimum may be waived at Coldstream’s discretion.”
On waivability: “The minimum may be waived at Coldstream’s discretion.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| Coldstream’s private wealth management service | No published minimum account size | $10,000 minimum annual fee | N/A (fee floor, not account-size minimum) |
| Source: Coldstream ADV Disclosure Brochure (Form ADV Part 2A), March 30, 2026 | |||
Coldstream Wealth Management’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $10,000 |
| $500,000 | $10,000 |
| $1,000,000 | $10,000 |
| $2,000,000 | $20,000 |
What else to know
Coldstream’s Family Office management service carries a separate, higher $150,000 minimum annual fee, and its distinct Retirement Plan advisory service states its own $5,000,000 minimum plan size (also waivable at Coldstream’s discretion); neither applies to the core private wealth management service priced here.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Coldstream Wealth Management’s own published fee schedule runs $10,000 a year; see the full dollar breakdown from Coldstream Wealth Management’s own fee disclosure across several account sizes. Read our full review of Coldstream Wealth Management before you decide.
Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? See how much it costs to leave Coldstream Wealth Management, or read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Coldstream ADV Disclosure Brochure (Form ADV Part 2A) (March 30, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032851
- SEC Investment Adviser Public Disclosure, Coldstream Capital Management, Inc. (CRD #108805): https://adviserinfo.sec.gov/firm/summary/108805
- Coldstream Capital Management, Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/108805/PDF/108805.pdf
Methodology. This page was built September 28, 2026, quoting directly from Coldstream 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.