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Frost Investment Services Review (2026): Fees and SEC Registration

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Updated September 28, 2026. Quick answer: Frost Investment Services is registered with the SEC as an investment adviser (CRD #286129, confirmed ACTIVE this session via SEC IAPD). Per its own current fee brochure, a $500,000 account would run $4,900 a year under its published fee schedule. Already a client and thinking about leaving? Budget $75 for a full account transfer, or $125 to close an IRA, per Frost’s own published fee schedule. This review covers what its fee brochure and current SEC registration confirm today; this firm also has a fiduciary-status page and minimum-investment page on this site.

Frost Investment Services at a glance

FactWhat Frost Investment Services’ own pages say
Legal entityFrost Investment Services, LLC
RegistrationFrost Investment Services, LLC is registered with the SEC as an investment adviser (CRD #286129, confirmed ACTIVE this session via SEC IAPD).
Fee on a $500,000 account$4,900 a year, per its own current brochure
Minimum to open an accountSee the minimum-investment page for Frost Investment Services
Cost to leave (exit fee)$75 for a full account transfer, or $125 to close an IRA, per Frost’s own published fee schedule

What Frost Investment Services’ own fee schedule charges

Frost Investment Services offers several advisory programs with different account minimums; the figures here price its Fund Strategist Portfolio Program and Optimum Asset Allocation Strategy (both $25,000 account minimum), which combine an Annual Advisory Program Fee with a separate Portfolio Strategy Fee. Frost’s Unified Managed Accounts Program (a $250,000 minimum) instead charges 1.25%/1.10%/1.00%/0.85% with no separate portfolio strategy fee. This is a different, not-cheaper, schedule not priced here.

“FUND STRATEGIST PORTFOLIO PROGRAM. PROGRAM MINIMUM IS $25,000. Annual Advisory Program Fee: 0.80% on the first $5,000,000; 0.60% on the next $5,000,000; 0.50% over $10,000,000. Portfolio Strategy Fee: 0.18% on the first $5,000,000; 0.14% on the next $5,000,000; 0.10% over $10,000,000.”

Frost’s own fee schedule combines two marginal, stacked components for this program: the Annual Advisory Program Fee and the Portfolio Strategy Fee, both charged on the same brackets, for a combined marginal rate of 0.98% on the first $5,000,000; dollar_at = balance x 0.0098 at each of the four benchmark balances shown, since all four fall within the first $5,000,000 bracket. The Program’s own $25,000 account minimum is an eligibility threshold, not a fee floor.

Account balanceAnnual fee
$250,000$2,450
$500,000$4,900
$1,000,000$9,800
$2,000,000$19,600

See the full breakdown, including how the figure is calculated, on Frost Investment Services’ own fee page.

Registration

Frost Investment Services, LLC is registered with the SEC as an investment adviser (CRD #286129, confirmed ACTIVE this session via SEC IAPD).

This is a registration confirmation only, not a fiduciary-standard verdict (a registered investment adviser can still be a dual registrant with a broker-dealer, which changes which standard applies in each capacity). For the fiduciary-standard question itself, see the fiduciary-status page for Frost Investment Services.

What it costs to leave

Frost Investment Services, LLC’s Form ADV Part 2A lets either party terminate without penalty, with any prepaid service fees refunded. FIS names National Financial Services LLC (‘NFS’), an unaffiliated clearing broker-dealer, as its custodian. Frost’s own published fee schedule states a $75 full account transfer fee, plus a separate $125 IRA termination fee, confirmed independently in two separate Frost documents.

Full mechanics and sources: how to leave Frost Investment Services.

Other advisor-firm reviews

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What we would compare it against

Before you decide, run the numbers against another firm using the financial advisor fee comparison, or price the dollar cost of any percentage fee over time with the Financial Advisor Fee Calculator and the Fee Drag Calculator.

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Sources

Methodology. This page was built September 28, 2026, drawing directly on Frost Investment Services’ own current fee brochure, linked above, and a fresh SEC IAPD registration check run the same day. As of September 28, 2026, this site publishes a fiduciary-status page and a minimum-investment page for Frost Investment Services; where the exit-fee page already exists it is linked above and drawn from that already-sourced page. Any fact we could not independently confirm 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 Frost Investment Services’ own Form ADV Part 2A and Form CRS. We have not used Frost Investment Services as a client. Frost Investment Services did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.

What does it take to open an account? See Frost Investment Services’s minimum investment, straight from its own Form ADV Part 2A brochure.

Comparing Frost Investment Services against other options? See Frost Investment Services alternatives, including a lower-fee full-service firm, a flat-fee route and a robo/hybrid.

Comparing firms? See all 182 advisor firm reviews in one table, with each firm’s type and its fee on a $500,000 account.