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Updated September 28, 2026. Quick answer: Fiduciary Financial Advisors discloses a maximum, individually negotiated rate of 0.95% in its Form ADV Part 2A (March 31, 2026). Converted to dollars, that runs $4,750 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
Fee schedules at comparable advisory firms: Interactive Advisors Fees (2026) and Janney Montgomery Scott Fees (2026).
For a closer look at this firm: Fiduciary Financial Advisors Review.
The published numbers
From the Form ADV Part 2A (March 31, 2026): “Our maximum annual fee is .95%. FEE SCHEDULE Assets Under Management Annual Fee Rate* Under $2,000,000 Up to 0.95% $2,000,001 to $5,000,000 Up to 0.90% $5,000,001 to $10,000,000 Up to 0.75% $10,000,0001 to $50,000,000 Up to .55% $50,000,001 to $150,000,000 Up to .35% Over $150,000,0001 Up to 0.15% *Fees are negotiable”
Note: CRD 172103 was confirmed ACTIVE through a live SEC IAPD lookup on September 28, 2026, with firmId matching the CRD. IAPD lists former names Action Point Financial Planning, LLC and Luminous Money; the firm is based in Grand Rapids, Michigan. The brochure reports about $1.33 billion in regulatory assets under management. The brochure’s Item 5 states the asset-based fee schedule and states no minimum annual fee for the asset-based service. Every bracket is labelled Up to, so the schedule is a maximum.
The published maximum: 0.95% per year (Fees of any independent third-party manager are collected by that manager and are separate from the firm’s own advisory fee priced here, and the brochure warns of possible layers of fees, mutual fund sales loads, 12b-1 fees and retirement plan fees. Fund-level expenses are also additional, and cash balances are billable. Digital asset accounts, professional trustee services, financial planning and outsourced CFO services carry separate fees not priced here.).
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $2,375 | 0.95% |
| $500,000 | $4,750 | 0.95% |
| $1,000,000 | $9,500 | 0.95% |
| $2,000,000 | $19,000 | 0.95% |
Every bracket in the schedule is an up-to maximum, and the brochure states the firm’s maximum annual fee is 0.95 percent, so each balance is priced as a ceiling. All four balances fall in the under-$2,000,000 bracket at 0.95 percent, and $2,000,000 exactly is treated at the same rate because the brochure’s table leaves that single dollar amount between its first two brackets and the next bracket starts at $2,000,001. No minimum annual dollar fee is disclosed, so no floor applies. Actual fees are negotiable and may be lower.
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, Fiduciary Financial Advisors’s own published maximum rate runs up to $4,750 a year.
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- Form ADV Part 2A (March 31, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1036045
- SEC Investment Adviser Public Disclosure, Fiduciary Financial Advisors (CRD #172103): https://adviserinfo.sec.gov/firm/summary/172103
- Fiduciary Financial Advisors, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/172103/PDF/172103.pdf
Methodology. This page was built September 28, 2026, drawing on Fiduciary Financial Advisors’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm before publication is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
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