Guides › Financial Advisor Fees
Updated October 3, 2026. Quick answer: Primerica has the lower published fee at $500,000: $8,550 a year, versus up to $12,500 a year (the published maximum, which the firm says is negotiable) for Kestra (Kestra Private Wealth Services / Kestra Advisory Services), computed from each firm’s own SEC-filed fee disclosure. Where a firm publishes only a maximum rate, the figure shown is that maximum, and what you pay may be lower. See the full side-by-side table below for $250,000, $1 million and $2 million.
What each firm charges, side by side
| Account balance | Kestra (Kestra Private Wealth Services / Kestra Advisory Services) (annual fee) | Primerica (annual fee) |
|---|---|---|
| $250,000 | Up to $6,250 | $4,350 |
| $500,000 | Up to $12,500 | $8,550 |
| $1,000,000 | Up to $25,000 | $15,200 |
| $2,000,000 | Up to $50,000 | $27,600 |
Kestra (Kestra Private Wealth Services / Kestra Advisory Services) discloses a published maximum rate of 2.5%, which the firm says is negotiable (Kestra Advisory Services, LLC Wrap Fee Program Brochure (Form ADV Part 2A, Appendix 1), August 20, 2026); Primerica discloses a tiered schedule starting at 1.25% advisory + 0.49% program = 1.74% (PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, March 30, 2026).
What the fee includes, in each firm’s own words
Kestra (Kestra Private Wealth Services / Kestra Advisory Services) (Kestra Advisory Services, LLC Wrap Fee Program Brochure (Form ADV Part 2A, Appendix 1), August 20, 2026): “All fees are negotiable, subject to the maximum amount set forth below. FSP Fee Schedule Fee Type Assets Minimum Maximum Manager Fee $5,000+ 0.02% 0.45% Advisor Fee $5,000+ 0.00% 2.48% Client Fee $5,000+ 0.02% 2.50% … Client Fee is the sum of the Advisor Fee plus the Manager Fee. In instances where the maximum Advisor Fee plus the Manager Fee would exceed 2.5 percent, the Advisor fee is reduced so the Client Fee does not exceed 2.5 percent.” Fund Strategist Portfolios (FSP) Program, Client Fee (Advisor Fee + Manager Fee), $5,000+ accounts: 0.02% min, 2.50% max; Separately Managed Accounts (SMA) Program, Client Fee, $100,000+ accounts: 0.02% min, 2.50% max; Unified Managed Account (UMA) Program, Client Fee, $5,000+ accounts: 0.02% min, 2.50% max; APM-Wrap / most other AdvisorEnterprise programs, Maximum Client Fee: 2.50%; One passive/index-model program, Maximum Client Fee (lower cap): 1.50%.
Kestra’s advisory fee is entirely advisor-negotiated within a published floor/ceiling band; across its AdvisorEnterprise programs (FSP, SMA, UMA, APM-Wrap, etc.) the Client Fee ranges from about 0.02% up to a firm-wide Maximum Client Fee of 2.5% (one narrower passive-model program caps at 1.5%). The dollar figures on this page apply that 2.5% maximum to each balance, as the most a client could be charged. Kestra Advisory Services was used as the primary citation as the larger/parent RIA (formerly NFP Advisor Services).
Primerica (PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, March 30, 2026): “Advisory fee (Maximum), Account Value: $250,000 or less, 1.25%; $250,000.01-$500,000, 1.25%; $500,000.01-$1,000,000, 1.10%; $1,000,000.01-$3,000,000, 1.00%. Program fee, Account Value: $250,000 or less, 0.49%; $250,000.01-$500,000, 0.46%; $500,000.01-$1,000,000, 0.42%; $1,000,000.01-$3,000,000, 0.38%.”
Primerica Advisors is a breakpoint schedule: only the rate for your bracket applies, to the whole balance. This covers PFS Investments’ Lifetime Investment Program specifically, not Primerica’s much larger commission-based insurance and mutual fund business. An additional Asset Manager fee (0.00% to 0.50%, depending on the model selected) can apply on top.
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, Kestra (Kestra Private Wealth Services / Kestra Advisory Services) runs up to $12,500 a year (the published maximum) and Primerica runs $8,550 a year: a difference of $3,950 a year between those figures at that balance.
Want the full breakdown for either firm on its own? Read the Kestra (Kestra Private Wealth Services / Kestra Advisory Services) fee page or the Primerica 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 Primerica, or read the general mechanics of switching financial advisors.
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Answer againSources
- Kestra Advisory Services, LLC Wrap Fee Program Brochure (Form ADV Part 2A, Appendix 1) (August 20, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055475
- SEC Investment Adviser Public Disclosure, Kestra Advisory Services, LLC (“Kestra AS”) (CRD #283330): https://adviserinfo.sec.gov/firm/summary/283330
- PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (March 30, 2026): https://www.primerica.com/public/pdf/PFSI-PriAdvForADVWraFeeProBro.pdf
- SEC Investment Adviser Public Disclosure, PFS Investments Inc. (Primerica Advisors) (CRD #10111): https://adviserinfo.sec.gov/firm/summary/10111
Methodology. This page was built October 3, 2026, re-pairing figures already archived and independently verified for Kestra (Kestra Private Wealth Services / Kestra Advisory Services) and Primerica 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.