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Updated September 24, 2026. Quick answer: It depends which strategy you pick: TFA365 Advisory Program runs from $10,000 to $250,000, depending on the specific strategy or model portfolio. At the $10,000 low end, Transamerica Financial Advisors’ own fee schedule works out to $275 a year; strategies at the high end require substantially more.
The minimum, in the firm’s own words
“TFA365 Advisory Strategist Program Minimum Account Value: $10,000… TFA365 Advisory Separately Managed Account Program Minimum Account Value: $ 250,000… TFA365 Advisory Unified Managed Account Program Minimum Account Value: $ 10,000”
On waivability: “TFA, at its discretion, may waive the Minimum Account Value”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| TFA365 Advisory Program (lowest-minimum strategy) | $10,000 | $275 | Yes, at the firm’s discretion |
| TFA365 Advisory Program (highest-minimum strategy) | $250,000 | Varies by strategy | Yes, at the firm’s discretion |
| Source: Transamerica Financial Advisors, LLC Form ADV Part 2A, Appendix 1, TFA365 Advisory Program Brochure, 2026 | |||
$10,000 low end (Strategist and Unified Managed Account sub-programs) at TFA365’s disclosed 2.75% maximum ceiling: $10,000 x 2.75% = $275.
Transamerica Financial Advisors’ own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $6,875 |
| $500,000 | $13,750 |
| $1,000,000 | $27,500 |
| $2,000,000 | $55,000 |
What else to know
TFA365 is the only Transamerica Financial Advisors program still open to new retail clients; it splits into three sub-programs with minimums of $10,000 (Strategist and Unified Managed Account) or $250,000 (Separately Managed Account), each waivable at TFA’s discretion.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Transamerica Financial Advisors’ own published fee schedule runs up to $13,750 a year (the published maximum); see the full dollar breakdown from Transamerica Financial Advisors’ 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? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Transamerica Financial Advisors, LLC Form ADV Part 2A, Appendix 1, TFA365 Advisory Program Brochure (2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1035963
- SEC Investment Adviser Public Disclosure, Transamerica Financial Advisors, LLC (CRD #16164): https://adviserinfo.sec.gov/firm/summary/16164
- Transamerica Financial Advisors, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/16164/PDF/16164.pdf
Methodology. This page was built September 24, 2026, quoting directly from Transamerica Financial Advisors’ 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.
Comparing other bank-affiliated wealth management minimums? See Wells Fargo Advisors Financial Network’s minimum investment too.
Is Transamerica Financial Advisors a fiduciary? See what its own Form CRS says about registration, standard of conduct, and how its representatives are paid.
Weighing whether to move ahead? Read the full Transamerica Financial Advisors review, including its fiduciary status and what it costs to leave.
Comparing Transamerica Financial Advisors against other options? See Transamerica Financial Advisors alternatives, including a lower-fee full-service firm, a flat-fee route, and a robo/hybrid.
How much do you need to open an account? Compare the minimum investment at 128 advisory firms, each taken from the firm’s own Form ADV Part 2A brochure.
Already with Transamerica Financial Advisors and weighing a move? How to leave Transamerica Financial Advisors covers what it costs to transfer out.