Raymond James Fees (2026): What You Pay in Dollars at $250k, $500k, $1M

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Updated September 17, 2026. Quick answer: Raymond James discloses a tiered schedule starting at 2.75% in its Raymond James & Associates, Inc. Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, “Maximum Fee Schedule for AMS Managed and IAR Managed Programs” (June 26, 2026). Converted to dollars, that runs $13,750 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.

The published numbers

From the Raymond James & Associates, Inc. Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, “Maximum Fee Schedule for AMS Managed and IAR Managed Programs” (June 26, 2026): “We maintain a fee schedule (“maximum fee schedule”) that outlines the maximum fee rates that can be charged to clients at specific asset-level breakpoints. We calculate maximum Fees on a retroactive basis instead of on an incremental basis. As the aggregated Relationship Value reaches each higher asset tier, or “breakpoint,” the applicable Fee is reduced and assessed retroactively to the first dollar of your account assets. RJCS Equity/Balanced, Schedule A: Up to $1M, 2.75%; $1M-$2M, 2.50%; $2M-$5M, 2.25%; $5M-$10M, 2.00%; $10M+, 1.75%.”

• Up to $1,000,000: 2.75%
• $1,000,000 to $2,000,000: 2.50%
• $2,000,000 to $5,000,000: 2.25%
• $5,000,000 to $10,000,000: 2.00%
• Over $10,000,000: 1.75%

What you would pay

Raymond James’s Consulting Services (RJCS) flagship program is a breakpoint schedule, not a marginal one: your entire account is billed at a single rate, based on which asset-level bracket the whole balance falls into, applied retroactively to the first dollar. The brochure publishes two rate columns for Equity/Balanced accounts, Schedule A and Schedule B, without specifying the eligibility difference between them in the sections reviewed this session; this page uses Schedule A, the higher, first-listed of the two, so the figures shown are a maximum, not a guaranteed rate. Applying each bracket boundary as inclusive of its own labeled ceiling (so a $1,000,000 account is billed at the “Up to $1M” rate and a $2,000,000 account at the “$1M-$2M” rate): $250,000 and $500,000 both fall in the “Up to $1M” bracket at 2.75%; $1,000,000 stays in that same bracket; $2,000,000 falls in the “$1M-$2M” bracket at 2.50%.

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, Raymond James’s own published rate runs $13,750 a year.

Comparing Raymond James against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.

Sources

• Raymond James & Associates, Inc. Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, “Maximum Fee Schedule for AMS Managed and IAR Managed Programs” (June 26, 2026): https://www.raymondjames.com/legal-disclosures
• SEC Investment Adviser Public Disclosure, Raymond James & Associates, Inc. (CRD #705): https://adviserinfo.sec.gov/firm/summary/705
• Raymond James & Associates, Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/705/PDF/705.pdf

Methodology. This page was built September 17, 2026, drawing on Raymond James’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.