{"type":"practice_calculator","title":"Advisor Fee Revenue Calculator: AUM Fee Schedule vs Flat Fee","lead":"As of Oct 20, 2026, this calculator compares the yearly revenue from a client list under an assets-based fee schedule of up to 5 bands (tiered or whole-account) with a flat fee per household, and shows the math for every client.","as_of":"2026-10-20","facts":{"inputs_asked":["Client list: one household per line, a name and a balance (up to 500)","Fee schedule: up to 4 bands, each with a top balance and a yearly rate, plus a rate for balances above the last band","Method: tiered (each rate applies only to the dollars in its band) or whole-account (the band's rate applies to every dollar)","Minimum yearly fee per household (optional)","Flat fee per household per year"],"method":["Each client line is a name and a balance. The balance is the last amount on the line: 850,000, $850k and 1.2M all work.","Tiered schedule: each rate applies only to the dollars inside its band. On a schedule of 1.00% up to $1,000,000 and 0.80% above, a $2,000,000 balance pays $10,000 + $8,000 = $18,000.","Whole-account schedule: the rate of the band the balance reaches applies to every dollar. A balance equal to the top of a band stays in that band.","If you enter a minimum yearly fee per household, a household pays the larger of its schedule fee and the minimum.","The flat fee is the same for every household.","Revenue is for one year on the balances you enter. It ignores market moves, new and lost clients, discounts, billing timing and partial years.","Break-even (tiered schedules only): the balance at which the schedule's fee equals the flat fee. Under a whole-account schedule a larger balance can pay less than a smaller one, so no single break-even exists.","Nothing you enter is stored or shared."],"defaults_note":"The starting schedule, clients and flat fee are examples to replace with your own. They are not benchmarks.","reference_points":["Advisors who charge on assets reported average fees of about 104 basis points on a $750,000 account and about 88 on a $1.5 million account.","In a 2026 survey of 491 advisors, the average planning retainer was $6,815, the average flat fee $2,926, and the average AUM bundled fee 0.96%.","Form ADV Part 2A Item 5 requires you to describe how you are paid, provide your fee schedule and say whether fees are negotiable."]},"sources":[{"url":"https://www.institutionalinvestor.com/index%2Ephp/article/2ctaz879nv0iexlnncz5s/ria-intel/the-fight-to-win-unadvised-clients-starts-with-fee-clarity","checked":"2026-10-20","label":"Institutional Investor, Holly Deaton: The fight to win unadvised clients starts with fee clarity (reporting Cerulli Associates and Marketcast data)"},{"url":"https://www.envestnet.com/newsroom/press-releases/average-financial-planning-retainer-fee-surges-52-2023-industry-accelerates","checked":"2026-10-20","label":"Envestnet | MoneyGuide, survey by Datos Insights: Average financial planning retainer fee surges 52% since 2023 (2026 State of Financial Planning Fees, press release)"},{"url":"https://www.sec.gov/files/formadv-part2.pdf","checked":"2026-10-20","label":"U.S. Securities and Exchange Commission: Form ADV Part 2: Uniform Requirements for the Investment Adviser Brochure and Brochure Supplements (SEC 1707)"}],"related":[{"title":"Advisor Capacity Calculator: How Many Households Can You Serve?","url":"https://advisoriq.com/practice/calculators/advisor-capacity/"},{"title":"How to Start an RIA: SEC vs State Registration","url":"https://advisoriq.com/practice/guides/how-to-start-an-ria-sec-vs-state-registration/"},{"title":"How to Price Advisory Services: Fee Schedules and Pricing Models","url":"https://advisoriq.com/practice/guides/advisor-fee-schedules-and-pricing-models/"},{"title":"Hiring Your First Advisor or Operations Hire: Roles, Licensing and Structure","url":"https://advisoriq.com/practice/guides/hiring-first-advisor-or-operations-hire/"},{"title":"How to Build an RIA Compliance Program: Rule 206(4)-7, CCO and Annual Review","url":"https://advisoriq.com/practice/guides/compliance-program-for-a-new-ria/"},{"title":"Legal Essentials for an Independent RIA: Entity, Advisory Agreement and Insurance","url":"https://advisoriq.com/practice/guides/legal-essentials-for-an-independent-ria/"},{"title":"How to Choose an RIA Custodian: What Custodians Do and What to Ask","url":"https://advisoriq.com/practice/guides/choosing-an-ria-custodian/"},{"title":"Financial Advisor Technology Stack: What You Need, How It Connects and How to Budget","url":"https://advisoriq.com/practice/guides/advisor-technology-stack/"},{"title":"RIA Cybersecurity: Regulation S-P, Regulation S-ID and Practical Controls","url":"https://advisoriq.com/practice/guides/ria-cybersecurity-and-client-data-protection/"},{"title":"Marketing for Financial Advisors: How to Attract Clients","url":"https://advisoriq.com/practice/guides/marketing-for-financial-advisors/"},{"title":"SEC Marketing Rule for Advisors: Testimonials, Ratings and Performance","url":"https://advisoriq.com/practice/guides/sec-marketing-rule-for-advisors/"}],"notes":["No one's inputs or results appear in this record.","Revenue is annual on the balances entered, before discounts, billing timing and market moves.","Practice management content is not eligible for CFP Board CE. CFP Board plans to allow up to five hours of it per cycle once its Q4 2027 changes take effect."],"url":"https://advisoriq.com/practice/calculators/fee-revenue/","citation":"AdvisorIQ, as of 2026-10-20. https://advisoriq.com/practice/calculators/fee-revenue/","license":"https://advisoriq.com/license/","publisher":"AdvisorIQ, independent education for financial advisors","disclaimer":"Summaries of rules set by designation bodies and regulators, which have the final word."}