Guides › Financial Advisor Fees
Updated September 18, 2026. Quick answer: Osaic discloses a maximum, individually negotiated rate of 2.5% in its Osaic Advisory Services, LLC (d/b/a Osaic Advisors) Form ADV Part 2A Brochure (Current as of August 31, 2026). Converted to dollars, that runs $12,500 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: Morgan Stanley Access Investing Fees (2026), Morgan Stanley Fees (2026) and Threadline Wealth (formerly Moss Adams Wealth Advisors) Fees (2026).
The published numbers
From the 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%.”
The published maximum: 2.5% per year.
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $6,250 | 2.50% |
| $500,000 | $12,500 | 2.50% |
| $1,000,000 | $25,000 | 2.50% |
| $2,000,000 | $50,000 | 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, Osaic’s own published maximum rate runs up to $12,500 a year.
Thinking about leaving Osaic instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.
Compare your next step
Just comparing fees? Keep reading the fee guide.Optional next step
Explore an adviser match
Compare the services and the full fee before deciding whether to hire anyone.
- No fee to request a match
- No obligation to hire
Expect questions about your situation, your name, email and phone, and phone verification by text. A match is not guaranteed.
The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
Opens here. Nothing loads and nothing reaches Kapitalwise until you press the button.
How our partner relationships workCompare an adviser match before you decide
Ask about the full fee, what it covers and how the adviser is paid. A match is an introduction, not a recommendation from Clear Money Guide.
- Free matching service
- No obligation to hire
The matching service is run by WiserAdvisor, an independent advisor-matching company. It opens on their site, asks for your ZIP code and a few questions, and matches you with 2 to 3 vetted advisors. It is free to you. WiserAdvisor states the service is built for portfolios of $250,000 and above. By submitting, you consent to emails, phone calls and text messages from WiserAdvisor and up to three advisors, so expect to be contacted. Advisers pay for the introduction. Clear Money Guide is paid when you complete the form, whether or not you ever hire anyone. There is no obligation to hire anyone.
Continue to WiserAdvisorOpens on WiserAdvisor’s site in a new tab.
Source: WiserAdvisor’s service descriptionSources
- 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
- Osaic Advisory Services, LLC d/b/a Osaic Advisors, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/171070/PDF/171070.pdf
Methodology. This page was built September 18, 2026, drawing on Osaic’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure 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. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Is Osaic a fiduciary? See what its own Form CRS says, and how that compares to what you would pay.
What does it take to open an account? See Osaic’s minimum investment, straight from its own Form ADV Part 2A brochure.
See how Osaic compares directly, dollar for dollar: vs SoFi Invest, vs Vanguard Personal Advisor, vs Betterment Premium.
See how Osaic compares directly, dollar for dollar: vs Empower Personal Wealth, vs TIAA Wealth Management.
See how Osaic compares directly, dollar for dollar: vs Charles Schwab.
See how Osaic compares directly, dollar for dollar: vs Creative Planning.
See how Osaic compares directly, dollar for dollar: vs Buckingham Strategic Wealth.
Weighing whether to move ahead? Read the full Osaic review, including its fiduciary status and what it costs to leave.
Comparing Osaic against other options? See Osaic alternatives, including a lower-fee full-service firm, a flat-fee route, and a robo/hybrid.
See how Osaic compares directly, dollar for dollar: vs CAPTRUST, vs Fidelity.
See how Osaic compares directly, dollar for dollar: vs Edward Jones.
See how Osaic compares directly, dollar for dollar: vs Fisher Investments, vs Savant Wealth Management, vs Wealth Enhancement Group.
See how Osaic compares directly, dollar for dollar: vs Thrivent.
See how Osaic compares directly, dollar for dollar: vs Edelman Financial Engines, vs Northwestern Mutual.
See how Osaic compares directly, dollar for dollar: vs Primerica.
See how Osaic compares directly, dollar for dollar: vs Merrill Lynch.
See how Osaic compares directly, dollar for dollar: vs Ameriprise, vs Baird, vs Lincoln Financial Advisors.
See how Osaic compares directly, dollar for dollar: vs J.P. Morgan, vs Mercer, vs Wells Fargo Advisors.
See how Osaic compares directly, dollar for dollar: vs Morgan Stanley.