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Updated September 24, 2026. Quick answer: It depends which strategy you pick: Personalized UMA Program runs from $10,000 to $250,000, depending on the specific strategy or model portfolio. At the $10,000 low end, Wells Fargo Advisors Financial Network’s own fee schedule works out to $200 a year; strategies at the high end require substantially more.
The minimum, in the firm’s own words
“The minimum initial Account values for the Programs described in this document are listed below… Custom Blend $10,000 subject to investment minimum… Conservative Growth & Income $250,000”
On waivability: “At our discretion, we can choose to waive the minimum Account size.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| Personalized UMA Program (lowest-minimum strategy) | $10,000 | $200 | Yes, at the firm’s discretion |
| Personalized UMA Program (highest-minimum strategy) | $250,000 | Varies by strategy | Yes, at the firm’s discretion |
| Source: Wells Fargo Advisors Financial Network Wrap Fee Brochure for Advisory Program Services, 2026 | |||
$10,000 low end (Custom Blend) at Personalized UMA’s disclosed 2.00% advisory fee: $10,000 x 2.00% = $200.
Wells Fargo Advisors Financial Network’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $5,000 |
| $500,000 | $10,000 |
| $1,000,000 | $20,000 |
| $2,000,000 | $40,000 |
What else to know
Wells Fargo Advisors Financial Network’s brochure sets a separate minimum for each Personalized UMA sub-strategy rather than one program-wide figure, ranging from $10,000 (Custom Blend) to $250,000 (several Wells Fargo Compass Asset Allocation strategies); all are waivable at the firm’s discretion.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Wells Fargo Advisors Financial Network’s own published fee schedule runs up to $10,000 a year (the published maximum, which the firm says is negotiable); see the full dollar breakdown from Wells Fargo Advisors Financial Network’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? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Wells Fargo Advisors Financial Network Wrap Fee Brochure for Advisory Program Services (2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025074
- SEC Investment Adviser Public Disclosure, Wells Fargo Advisors Financial Network, LLC (CRD #11025): https://adviserinfo.sec.gov/firm/summary/11025
- Wells Fargo Advisors Financial Network, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/11025/PDF/11025.pdf
Methodology. This page was built September 24, 2026, quoting directly from Wells Fargo Advisors Financial Network’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.
Comparing other bank-affiliated wealth management minimums? See Fifth Third Wealth Advisors’s minimum investment too.
Is Wells Fargo Advisors Financial Network 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 Wells Fargo Advisors Financial Network review, including its fiduciary status and what it costs to leave.
Comparing Wells Fargo Advisors Financial Network against other options? See Wells Fargo Advisors Financial Network alternatives, including a lower-fee full-service firm, a flat-fee route, and a robo/hybrid.