Financial Adviser Fee Estimator

Understand how financial advisers charge and estimate what you might pay based on your situation.

Your Situation

Estimated Costs

Estimated Initial Fee

$2,000 - $3,500

One-time cost for initial advice/plan

Estimated Annual Ongoing Fee

$2,500 - $5,000

Approximately 1.0% - 2.0% of assets

Common Fee Structures

Hourly Rate

Pay per hour of advice

$200-$400/hr
Fixed Fee

Set price for service

$2,000-$5,000
Percentage

% of assets managed

0.5%-2.0%

Is It Worth It?

For your asset level, quality financial advice typically pays for itself through better investment returns, tax savings, and avoiding costly mistakes.

Understanding Adviser Fees

Hourly Fees

Pay only for the time you use. Good for simple questions or one-off reviews.

Typical: $150 - $500/hour

Fixed Fees

Set price for specific service. Predictable cost, easy to budget.

Typical: $500 - $10,000

Percentage-Based

Ongoing fee as % of assets managed. Aligns adviser interests with yours.

Typical: 0.5% - 2.0% p.a.

Important Notes

  • • These are estimates only - actual fees vary by adviser and firm
  • • Some advisers earn commission from products (e.g., insurance, mortgages)
  • • Always ask for a written fee disclosure before engaging an adviser
  • • Don't choose solely on price - quality of advice matters most

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