Guides › Financial Advisor Fees
Updated September 19, 2026. Quick answer: Edward Jones is less expensive at $500,000: $6,875 a year, versus $12,500 a year for Osaic, 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.
More head-to-head fee comparisons: Charles Schwab vs Osaic Fees, Creative Planning vs Osaic Fees and Edward Jones vs Kestra (Kestra Private Wealth Services / Kestra Advisory Services) Fees.
What each firm charges, side by side
| Account balance | Edward Jones (annual fee) | Osaic (annual fee) |
|---|---|---|
| $250,000 | $3,500 | $6,250 |
| $500,000 | $6,875 | $12,500 |
| $1,000,000 | $13,075 | $25,000 |
| $2,000,000 | $23,375 | $50,000 |
Edward Jones discloses a tiered schedule starting at 1.40% (Edward Jones Guided Solutions Flex Account Schedule of Fees, February 2025 (REV. FEB 2025, document IAS-10455O-A-FS)); Osaic discloses a maximum, individually negotiated rate of 2.5% (Osaic Advisory Services, LLC (d/b/a Osaic Advisors) Form ADV Part 2A Brochure, Current as of August 31, 2026).
What the fee includes, in each firm’s own words
Edward Jones (Edward Jones Guided Solutions Flex Account Schedule of Fees, February 2025 (REV. FEB 2025, document IAS-10455O-A-FS)): “The Guided Solutions Flex Fee is comprised of the Program Fee and the Platform Fee, net of any applicable fee reduction or fee offset. The Program Fee is assessed beginning at an annual fee rate of 1.35%, payable monthly in arrears: First $250,000, 1.35%; Next $250,000, 1.30%; Next $500,000, 1.20%; Next $1,500,000, 1.00%; Next $2,500,000, 0.80%; Next $5,000,000, 0.60%; Over $10,000,000, 0.50%. A Platform Fee is charged on accounts enrolled in Guided Solutions Flex. This fee is in addition to the Program Fee. The Platform Fee is assessed beginning at an annual fee rate of 0.05%, payable monthly in arrears.”
Edward Jones’s Guided Solutions Flex Fee is a marginal (tiered) schedule: each bracket’s combined rate (Program Fee plus Platform Fee) applies only to the slice of assets inside that bracket, like a tax bracket, not the whole balance. Arithmetic: $250,000 pays 1.40% on the whole amount ($3,500, since it fits entirely in the first bracket); $500,000 pays $3,500 plus 1.35% on the next $250,000 ($3,375) for $6,875; $1,000,000 pays $6,875 plus 1.24% on the next $500,000 ($6,200) for $13,075; $2,000,000 pays $13,075 plus 1.03% on the next $1,000,000 ($10,300, since $2,000,000 still falls inside the $1,000,000-to-$2,500,000 bracket) for $23,375. Edward Jones also offers a separate, generally non-discretionary brokerage-style program (Guided Solutions Fund, mutual-fund-only) that carries the identical rate table; this page uses the broader Guided Solutions Flex version, which covers stocks, bonds, ETFs and mutual funds.
Osaic (Osaic Advisory Services, LLC (d/b/a Osaic Advisors) Form ADV Part 2A Brochure, Current as of August 31, 2026): “The Ally Account has no minimum account size and advisory fees are negotiable. Advisory fees are billed monthly or quarterly and you have the option of choosing the billing methodology (flat, linear, or tiered); these elections are made on your advisory agreement. Advisory fees are negotiable, but the maximum annual fee allowed, regardless of account size, is 2.50%.”
Checked both Osaic Wealth, Inc. (CRD 23131, the broker-dealer-affiliated entity) and Osaic Advisory Services, LLC (CRD 171070, the corporate RIA sub-brand ‘Osaic Advisors’). Osaic Wealth’s Part 2A repeatedly states each Advisory Representative negotiates his/her own client fee schedule with no firm-wide cap disclosed for its general asset-management programs (only narrow caps for a retirement-plan consulting product and an annuity sub-fee, neither a general AUM schedule). Osaic Advisory Services’ Part 2A does disclose a firm-wide ceiling for its flagship Ally Account and repeats an identical 2.50% maximum for its Counsel and Partner wrap programs (Part 2A Appendix 1 brochures, brochureVersionIDs 1056419 and 1056418, also downloaded to sources/osaic/), so that entity/rate is used. No breakpoint table by account size is disclosed – 2.50% is a flat ceiling applied at any balance, individually negotiable downward. dollar_at values are simply balance x 2.50%: $6,250 / $12,500 / $25,000 / $50,000. This is honestly a ceiling, not a graduated schedule.
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, Edward Jones runs $6,875 a year and Osaic runs $12,500 a year: a difference of $5,625 a year at that balance.
Want the full breakdown for either firm on its own? Read the Edward Jones fee page or the Osaic 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 Edward Jones or what it costs to leave Osaic, or read the general mechanics of switching financial advisors.
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- Edward Jones Guided Solutions Flex Account Schedule of Fees (February 2025 (REV. FEB 2025, document IAS-10455O-A-FS)): https://www.edwardjones.com/us-en/disclosures
- SEC Investment Adviser Public Disclosure, Edward D. Jones & Co., L.P. (CRD #250): https://adviserinfo.sec.gov/firm/summary/250
- Osaic Advisory Services, LLC (d/b/a Osaic Advisors) Form ADV Part 2A Brochure (Current as of August 31, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056417
- SEC Investment Adviser Public Disclosure, Osaic Advisory Services, LLC d/b/a Osaic Advisors (CRD #171070): https://adviserinfo.sec.gov/firm/summary/171070
Methodology. This page was built September 19, 2026, re-pairing figures already archived and independently verified for Edward Jones and Osaic 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.