How Much Does Wealth Management Cost in Atlanta? Fees, Services, and What to Expect

Cost is a leading factor when selecting a wealth manager, but price alone does not equal value. This guide explains common fee models you will encounter in Atlanta, typical ranges, sample cost math, and the services you should expect in return.

Common fee structures and typical ranges

• Assets under management, AUM, fee: the most common for full-service RIAs. Typical ranges are 0.5% to 1.25% annually depending on account size and services.
• Flat or retainer fee: fixed annual or monthly fee, often used for comprehensive planning without investment management. Common for high-net-worth or complex planning.
• Hourly fee: used for specific projects or discrete advice. Rates vary widely.
• Commission or product-based: less transparent, may create conflicts. Ask for full disclosure.

Example math: on $1,000,000 at 0.90% AUM you pay about $9,000 per year. On $5,000,000 at 0.70% you pay about $35,000 per year. Compare these totals to the scope of services to judge value.

What services should be included

A clear engagement will list deliverables. Look for:

• comprehensive financial planning, including retirement, cash flow, and risk planning,
• investment management and portfolio construction,
• tax coordination with your CPA,
• estate planning coordination and beneficiary reviews,
• regular reviews and consolidated reporting,
• access to advisor team and client service for questions and transactions.

If something important is missing, expect additional fees or referrals.

How to evaluate value, not just cost

Ask for a sample engagement summary and comparable client outcomes. Consider:

• does the manager reduce your effective taxes or improve retirement readiness,
• do they simplify your financial life with consolidated reporting,
• will they coordinate with other professionals and advocate for you?

Also ask for fee sensitivity scenarios, showing how fees change with account size or service level.

Questions to ask before signing

• What is the exact fee schedule and any additional costs?
• Will I be charged for trading, custody, or outside manager fees?
• What services are included in the base fee and what triggers extra billing?
• Can I see a sample client engagement letter or service agreement?

Transparent firms make it easy to compare. If you want help estimating costs for your situation or a sample engagement summary, reach out to local advisors like CPC Advisors for a no-obligation consultation.