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Edward Jones Fees in 2026: Schedule, Examples and IRA Costs
Fees
Edward Jones Advisory Solutions fees start at 1.35% plus a 0.05% platform fee. See the published schedule, example dollar costs, IRA fees and what to ask.
Published October 27, 2026 by Joel Miller, CFP. 10 min read.
Edward Jones Advisory Solutions Fund Models charge a Program Fee that starts at 1.35% a year and a Platform Fee that starts at 0.05%, both tiered down as assets grow, with a $25,000 minimum. On $1 million, the published schedule works out to about $13,075 a year before fund expenses and any discount.
Author: Joel Miller, CFP. Last reviewed October 27, 2026. Fee figures come from Edward Jones documents listed below and may change, so confirm them with Edward Jones before you decide. This article is educational and is not a recommendation to buy or leave any firm. It is not tax, legal, or investment advice.
What does Edward Jones charge for Advisory Solutions?
Edward Jones is a dually registered broker-dealer and investment adviser, and it prices its services in more than one way. Its main fee-based program, Advisory Solutions Fund Models, charges an asset-based fee made of two parts. The Program Fee is up to 1.35% a year. The Platform Fee is up to 0.05% a year and is charged in addition. Both are tiered, so each slice of assets above a breakpoint is charged at a lower rate.
| Value of assets in account | Program Fee | Platform Fee |
|---|---|---|
| First $250,000 | 1.35% | 0.05% |
| Next $250,000 | 1.30% | 0.05% |
| Next $500,000 | 1.20% | 0.04% |
| Next $1,500,000 | 1.00% | 0.03% |
| Next $2,500,000 | 0.80% | 0.02% |
| Next $5,000,000 | 0.60% | 0.01% |
| Over $10,000,000 | 0.50% | 0.00% |
Source: Edward Jones Advisory Solutions Fund Models Schedule of Fees, reviewed October 27, 2026.
A few mechanics from the same schedule and the program page:
- The fee is calculated on the previous month's average daily balance and is paid monthly in arrears.
- Cash swept into the Edward Jones Money Market Fund counts toward the balance used to calculate the fee.
- The program lists a $25,000 minimum initial investment.
- The schedule says the fee may be discounted or reduced at the sole discretion of Edward Jones, and that Edward Jones may combine certain advisory accounts of the same or related clients for the calculation.
- Other Edward Jones advisory programs, including Guided Solutions and Unified Managed Account models, publish their own schedules and brochures, so the numbers above apply to Fund Models only.
How much is that in dollars at different balances?
A percentage can be hard to translate into a yearly bill. The table below applies the published tiers to a set of example balances. It is arithmetic on the list schedule, before any discount, account combining, or fund expenses.
| Example balance | List-schedule fee per year | Share of the balance |
|---|---|---|
| $100,000 | $1,400 | 1.40% |
| $250,000 | $3,500 | 1.40% |
| $500,000 | $6,875 | about 1.38% |
| $1,000,000 | $13,075 | about 1.31% |
| $2,000,000 | $23,375 | about 1.17% |
| $5,000,000 | $49,025 | about 0.98% |
Hypothetical example for illustration only. It does not describe a client, is not a projection or a recommendation, and uses assumed round balances rather than investment returns. Assume a household has $500,000 in one Advisory Solutions Fund Models account, and the list schedule applies with no discount. The fee is $6,875 a year. Assume the balance later reaches $1,000,000 through new contributions, with the same list schedule. The fee becomes $13,075, which is $6,200 more per year. A percentage fee rises and falls with the balance, which can feel proportionate to some households and costly to others. A fixed-dollar fee would not change with the balance, but it would be set by a different scope of service.
The example leaves out fund expenses, taxes, any negotiated reduction, and the value of the services received, each of which changes the real comparison. The SEC's Investor.gov explains in How Fees and Expenses Affect Your Investment Portfolio that ongoing fees reduce the amount left in a portfolio and that the effect can add up over time.
What does the Edward Jones fee include, and what does it leave out?
According to the program page, the Program Fee covers the financial advisor's services, trading costs, performance reporting, and the evaluation and selection of investments by Edward Jones research professionals. The Platform Fee covers support and maintenance of the advisory platform, such as trading and risk tools.
Items the fee does not cover, based on the same documents:
- Fund expenses. The program page says the fees do not include the internal expenses of the mutual funds and ETFs you own. Those are charged inside each fund.
- Loan interest. If an account is used as collateral for an Edward Jones Reserve Line of Credit advance, the schedule says interest on that loan is paid in addition to the advisory fee.
- Other services. The program page does not list tax preparation or tax filing among the services the Program Fee covers. Asking what tax coordination, if any, comes with a relationship is a reasonable question for any advisory firm.
The program brochure also states that Edward Jones has a fiduciary duty under the Investment Advisers Act when providing Advisory Solutions Fund Models, and that brokerage services are subject to different laws than investment advisory services. Because a firm can offer both, it helps to ask which type of account a recommendation would be made in.
Does Edward Jones charge fees on IRAs and other accounts?
Yes, depending on the account type. The Individual Retirement Account schedule of fees lists:
- Traditional and Roth IRAs: $75 per calendar year, not prorated.
- SEP and SIMPLE IRAs: $40 per calendar year, not prorated.
- Waiver: the schedule says the annual account fee is waived for pricing groups with $250,000 or more in assets under care.
- Advisory accounts: the schedule says the fee does not apply to Edward Jones investment advisory accounts.
The brokerage account schedule of fees lists separate service charges, including $95 for a total transfer of an account, $100 for an estate re-registration, and $25 for a domestic wire. Edward Jones says some of these fees may be waived in certain circumstances and that all fees are subject to change.
How do asset-based, transaction-based, and flat fees compare?
The grid below describes how common fee structures typically work. It is a comparison of mechanics, not a ranking, and the right structure depends on the household.
| Fee structure | How it works | What to confirm | Tends to fit when |
|---|---|---|---|
| Asset-based advisory fee | An annual percentage of account value, often tiered and billed regularly | Tier breakpoints, whether cash counts, fund expenses, and discounts | A household wants ongoing management delegated and accepts a fee that moves with the balance |
| Transaction-based brokerage | A commission or markup each time an investment is bought or sold, as described by Investor.gov | Cost per trade, account fees, and how much advice is incidental to the trade | A household holds investments for long periods and trades rarely |
| Wrap fee program | One fee that bundles advice, trading, and administration, as defined in the Investor.gov glossary | What the bundled fee covers and what sits outside it, such as fund expenses | A household prefers one combined charge to separate ones |
| Hourly or project planning fee | A fee for time spent or a defined deliverable, such as a one-time plan | Hours estimated, scope, and whether implementation is included | A household has a specific question or wants a second look at an existing plan |
| Fixed membership fee | A set dollar amount per quarter or year that is not tied to the account balance | What each tier includes, how investments are handled, and the term | A household wants ongoing planning with a cost that does not move with the balance, and accepts that it does not shrink at smaller balances |
| Hybrid of planning and asset-based fees | A planning fee plus a percentage on managed assets | How the two parts add up at your balance, and what each pays for | A household wants planning and investment management from one firm and is comfortable with both fee types |
Investor.gov's relationship summary page notes that an asset-based fee may cost more than a transaction-based fee, but that someone who wants ongoing advice or wants another person to make investment decisions may prefer it. Paying more or less is only part of the question. Scope, service, and fit matter as well.
Questions to weigh before choosing or leaving a fee model
Households commonly weigh these questions. None has a single correct answer.
- Dollars, not only percentages. Ask for the fee in writing in dollars at your balance, including any discount and any account combining.
- Scope. List what you want help with, such as investments, taxes, retirement income, and estate coordination, and ask who provides each one.
- Total cost. Add fund expenses and any account-level fees to the advisory fee before comparing two firms.
- Taxes on a move. Selling investments in a taxable account to change firms can create a taxable gain. The Edward Jones brochure itself says liquidations may cause a taxable event. Ask whether holdings can be moved in kind, and have a tax professional look at cost basis first.
- Disclosures. Read the firm's Form CRS and Form ADV. The Investor.gov Form CRS page explains the summary, and adviserinfo.sec.gov lets you look up any adviser.
Where this fits in the wider picture
These pages cover the neighbouring questions:
- Flat fee vs 1% AUM sets out how the two fee structures compare at several balances.
- How much do financial advisors cost describes the common pricing models and their trade-offs.
- The 1% AUM fee calculator and the financial advisor cost calculator let you try your own balance. They are illustrations, not projections.
- Facet alternatives compares several flat-fee planning firms.
- Financial planning for pre-retirees explains how income, taxes, and Medicare decisions fit together.
- Accountant vs financial advisor explains which professional typically handles which part of a decision.
How Flames FP approaches this
Flames FP is a Minnesota-based planning firm with fixed quarterly membership pricing and a 0% AUM fee, meaning the advisory fee is not a percentage of portfolio size. Its pricing page lists Flames Planning at $900 per quarter and Flames Premier at $1,650 per quarter. The how it works page walks through the planning process, and the services page describes the five connected areas of investments, taxes, retirement, estate guidance, and ongoing advice.
A fixed fee and a percentage fee are different structures with different scopes, so comparing their dollar amounts alone does not show which fits a household. A percentage fee produces a smaller dollar amount at lower balances and a larger one at higher balances, while a fixed fee stays the same. The right choice depends on your balance, your planning needs, and what each firm includes.
If you would like to talk through how a fee structure fits your household, you can schedule a Discovery Meeting. The meeting is a conversation about your situation, not tax, legal, or investment advice.
Sources
- Edward Jones Advisory Solutions Fund Models Schedule of Fees: Program Fee and Platform Fee tiers, calculation method, and discount language.
- Edward Jones Advisory Solutions Fund Models program page: $25,000 minimum, what each fee covers, and fund expenses.
- Edward Jones Advisory Solutions Fund Models Brochure (as of May 2, 2025): fiduciary statement, taxable events on liquidation, and other programs.
- Edward Jones Schedule of Fees for Individual Retirement Accounts and brokerage Schedule of Fees.
- Investor.gov, Understanding Fees and How Fees and Expenses Affect Your Investment Portfolio (July 23, 2025).
- Investor.gov, Form CRS and Wrap Account glossary entry.
Edward Jones documents were reviewed as of October 27, 2026. Fees, minimums, and terms can change, so confirm against the current documents and your own account agreement.
Frequently asked questions
How much does Edward Jones charge?
For Advisory Solutions Fund Models, the published schedule starts with a Program Fee of 1.35% a year and a Platform Fee of 0.05%, both tiered down at higher balances. On the list schedule, that works out to about $3,500 a year on $250,000 and about $13,075 on $1,000,000, before fund expenses and any discount. Other programs and account types have their own schedules.
What is the minimum for Edward Jones Advisory Solutions?
The Fund Models program page lists a $25,000 minimum initial investment. Other Edward Jones programs and account types can have different minimums, so ask which program an offer applies to.
Does Edward Jones charge an IRA fee?
The IRA schedule of fees lists $75 per calendar year for Traditional and Roth IRAs and $40 for SEP and SIMPLE IRAs. It says the fee is waived for pricing groups with $250,000 or more in assets under care and does not apply to Edward Jones investment advisory accounts. Confirm which applies to your accounts.
Can Edward Jones fees be reduced?
The Advisory Solutions schedule says the fee may be discounted or reduced at the sole discretion of Edward Jones, and that Edward Jones may combine certain advisory accounts of the same or related clients when calculating it. Ask your advisor in writing whether either applies to you and what your fee would be in dollars.
Are Edward Jones fees worth it?
That depends on what you want and what you receive. An asset-based fee may cost more than paying per transaction, but some households prefer it because it includes ongoing advice and delegated investment decisions, as Investor.gov describes. Compare the dollar fee at your balance, what is included, fund expenses, and any alternatives that match your needs, including flat-fee and hourly models.
Flames FP approach
How Flames FP Handles This
Flames Financial Planning coordinates investments, taxes, retirement income and estate guidance under a flat quarterly membership, with no fee on assets. Planning includes proactive tax guidance and a planning-focused review of a completed personal return. Premier adds ongoing tax projections, Roth-conversion and capital-gain modeling, retirement-income and withdrawal implementation, and eligible tax-return preparation and filing through an independent tax partner.
Flames Premier
$1,650 per quarter
$6,600 annualized
Memberships are billed quarterly in advance with no annual commitment. See what each includes on the pricing page, read how the pieces fit together on the retirement tax planning overview, or, if you are weighing a subscription firm, see the side-by-side with Facet.