Guides › Financial Advisor Fees
Updated October 3, 2026. Quick answer: Thrivent has the lower published fee at $500,000: $7,750 a year, versus up to $12,500 a year (the published maximum) for UBS, 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 | Thrivent (annual fee) | UBS (annual fee) |
|---|---|---|
| $250,000 | $4,250 | Up to $6,250 |
| $500,000 | $7,750 | Up to $12,500 |
| $1,000,000 | $14,500 | Up to $25,000 |
| $2,000,000 | $29,000 | Up to $50,000 |
Thrivent discloses a tiered schedule starting at 2.00% (Thrivent Investment Management Inc. Managed Accounts Program Brochure, Form ADV Part 2A Appendix 1, July 2026); UBS discloses a published maximum rate of 2.5% (UBS Financial Services Inc. Form ADV Part 2A Brochure (PMP/AAP fee schedule), March 31, 2026).
What the fee includes, in each firm’s own words
Thrivent (Thrivent Investment Management Inc. Managed Accounts Program Brochure, Form ADV Part 2A Appendix 1, July 2026): “You will be charged a Program Fee for each Account in the Program. The Program Fee will not exceed the applicable rate from the following fee schedule(s). Those maximums are the Advisor, Advisor Guided, SELECT, Income-Focused, Genesis, Shepherd, Impact and Shield schedule: Up to $99,999 2.00%, $100,000-$249,999 1.85%, $250,000-$499,999 1.70%, $500,000-$999,999 1.55%, $1,000,000-$2,999,999 1.45%, $3,000,000-$4,999,999 1.25%, $5,000,000-$9,999,999 1.00%, $10,000,000 and above 0.90%.”
Thrivent uses a breakpoint schedule: the single rate for your bracket applies to the whole balance, not just the amount above the breakpoint. These are the Maximum Program Fee rates on Thrivent’s Advisor, Advisor Guided, SELECT, Income-Focused, Genesis, Shepherd, Impact and Shield schedule, the one covering the programs open to new investors at the $25,000 minimum; the brochure states the Program Fee is negotiable, so an individual account can be lower. Thrivent’s separate SMA/UMA schedule runs higher, to a 2.50% maximum, and its Advantage schedule is closed to new investors. Optional Dedicated Planning Services is a separate fee component, but the brochure states the sum cannot exceed these same maximums. This is Thrivent Investment Management’s Managed Accounts Program (TIMI); the separate Thrivent Advisor Network channel discloses only a ceiling, not these breakpoints.
UBS (UBS Financial Services Inc. Form ADV Part 2A Brochure (PMP/AAP fee schedule), March 31, 2026): “UBS Investment Advisory Fee Schedule, Maximum Fee: All Assets and strategy types (Equity, Balanced and Fixed Income Accounts): 2.50%.”
UBS’s core retail advisory programs (Portfolio Management Program, Advisor Allocation Program) disclose a flat 2.50% maximum, negotiable rate rather than a published breakpoint table. UBS does publish a genuine tiered dollar schedule for Institutional Consulting, but that program requires a $5,000,000 minimum and is not representative of a typical account.
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, Thrivent runs $7,750 a year and UBS runs up to $12,500 a year (the published maximum): a difference of $4,750 a year between those figures at that balance.
Want the full breakdown for either firm on its own? Read the Thrivent fee page or the UBS 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 Thrivent or what it costs to leave UBS, or read the general mechanics of switching financial advisors.
Find the right next step for your situation
About how much do you have invested? Pick the range that fits; your next step appears immediately below.
Thrivent runs $7,750 a year at $500,000. See what else is available.
If your portfolio is $250,000 or more, this connects you (free, with no obligation to hire anyone) with 2 to 3 vetted advisors.
Before you start, what actually happens. 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. Clear Money Guide is paid when you complete the form, whether or not you ever hire anyone.
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Compare Thrivent and UBS against a fee-based match.
Price the destination before you decide. The matching service below introduces you to advisers who pay to meet you.
Before you start, what actually happens. 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.
The Kapitalwise form opens here; you stay on this page.
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It asks about nine questions: age, investable assets, location; then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
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Answer againSources
- Thrivent Investment Management Inc. Managed Accounts Program Brochure, Form ADV Part 2A Appendix 1 (July 2026): https://www.thrivent.com/files/24839.pdf
- SEC Investment Adviser Public Disclosure, Thrivent Investment Management Inc. (CRD #18387): https://adviserinfo.sec.gov/firm/summary/18387
- UBS Financial Services Inc. Form ADV Part 2A Brochure (PMP/AAP fee schedule) (March 31, 2026): https://www.ubs.com/us/en/wealth-management/about-us/disclosure-documents.html
- SEC Investment Adviser Public Disclosure, UBS Financial Services Inc. (CRD #8174): https://adviserinfo.sec.gov/firm/summary/8174
Methodology. This page was built October 3, 2026, re-pairing figures already archived and independently verified for Thrivent and UBS 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.