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Updated September 18, 2026. Quick answer: $25,000 for PPS Custom Program. Commonwealth Financial Network’s own Form ADV Part 2A brochure states this figure directly, though the firm can waive or reduce it at its own discretion. At that minimum, Commonwealth Financial Network’s own published fee schedule works out to $562.50 a year.
The minimum, in the firm’s own words
“The PPS Custom Program generally involves a $25,000 account minimum.”
On waivability: “Commonwealth and the respective Program Sponsors may waive account minimum requirements for their respective programs at their sole discretion.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| PPS Custom Program | $25,000 | $562.50 | Yes, at the firm’s discretion |
| Source: Commonwealth Financial Network Form ADV Part 2A Brochure, March 30, 2026 | |||
$25,000 falls in Commonwealth’s lowest whole-balance breakpoint bracket (up to $750,000, at 2.25%): $25,000 x 2.25% = $562.50.
Commonwealth Financial Network’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $5,625 |
| $500,000 | $11,250 |
| $1,000,000 | $17,500 |
| $2,000,000 | $30,000 |
What else to know
This $25,000 minimum is disclosed for the PPS Custom Program generally; Commonwealth’s brochure does not separately break it out for the Transactions sub-variant priced on this page’s schedule.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Commonwealth Financial Network’s own published fee schedule runs $11,250 a year; see the full dollar breakdown from Commonwealth Financial Network’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 Commonwealth Financial Network, or read the general mechanics of switching financial advisors.
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- 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
- Commonwealth Financial Network, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/8032/PDF/8032.pdf
Methodology. This page was built September 18, 2026, quoting directly from Commonwealth Financial Network’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 Commonwealth Financial Network review, including its fiduciary status and what it costs to leave.
Comparing Commonwealth Financial Network against other options? See Commonwealth Financial Network alternatives, including a lower-fee full-service firm, a flat-fee route, and a robo/hybrid.