Guides › Financial Advisor Fees
Updated September 18, 2026. Quick answer: Osaic does not publish a minimum dollar amount to open an Ally Account. Instead, it enforces a $30-a-year minimum service fee (or 0.15% of account assets annually, whichever is greater), which becomes the real floor for smaller balances once the percentage schedule alone would charge less than that.
The minimum, in the firm’s own words
“The Ally Account has no minimum account size and advisory fees are negotiable. … The Firm generally does not impose any requirements for opening or maintaining an account, such as a minimum account size. We will charge a minimum service fee which is the greater of $30 or up to 15 basis points (.15%) annually assessed to the advisor per account.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| Ally Account | No published minimum account size | $30-a-year minimum service fee (or 0.15% of account assets annually, whichever is greater) | N/A (fee floor, not account-size minimum) |
| Source: Osaic Advisory Services, LLC (d/b/a Osaic Advisors) Form ADV Part 2A Brochure, Current as of August 31, 2026 | |||
Osaic’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $6,250 |
| $500,000 | $12,500 |
| $1,000,000 | $25,000 |
| $2,000,000 | $50,000 |
What else to know
Osaic’s brochure states plainly there is no minimum account size to open an Ally Account. The $30 figure is a minimum annual service fee charged to the advisor per account, applied once an account is already open, not an account-opening threshold.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Osaic’s own published fee schedule runs up to $12,500 a year (the published maximum, which the firm says is negotiable); see the full dollar breakdown from Osaic’s own fee disclosure across several account sizes.
Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? See what it costs to leave Osaic, 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, quoting directly from Osaic’s own current Form ADV Part 2A / wrap-fee brochure, with the source linked above. The annual-fee-at-the-minimum figure applies that same brochure’s own published fee schedule to the disclosed minimum dollar amount; any distinction 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, and it is not a substitute for reading the firm’s own Form ADV Part 2A. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
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.