Two advisory proposals are sitting on the table. Both quote a fee close to 1% of managed assets. One primarily offers investment selection, periodic rebalancing and an annual review. The other provides access to a Kingsview advisor supported by a family-office-style platform built to connect investments with retirement, taxes, estate planning, risk management and the financial decisions affecting the entire family.
The percentages may look similar. The service models can be miles apart.
That is why the better question moves beyond, “How much does a financial advisor cost?” Ask, “What am I receiving for that cost?” Kingsview is designed for clients who want more than a managed portfolio. Its advisors can draw on a broader platform, investment lineup and planning framework while using a typical fee structure that becomes more competitive as the relationship grows.
A fee based on assets under management, commonly called an AUM fee, rises and falls with the value of the assets covered by an advisory agreement. At 1%, every $100,000 under management represents $1,000 in annual advisory fees.
One percent is also close to a current industry reference point. Envestnet’s 2026 industry research reported an average flat AUM fee of 0.96%.
But a percentage alone says very little about the depth of the relationship. At one firm, the fee may primarily cover a model portfolio and occasional meetings. At another, it may support ongoing planning, investment management and coordination across multiple parts of a client’s financial life.
Kingsview is built around the second model. The objective extends beyond managing an isolated account. It gives the advisor and client a more complete view of the decisions that shape wealth.
Many advisory relationships begin and end with the portfolio. Kingsview’s approach is designed to reach further. Its end-to-end wealth management platform brings investment management, financial planning, tax strategy, estate and legacy planning, and risk management into a connected framework.
That family-office-style approach matters because financial decisions rarely stay in one lane. A Roth conversion may affect Medicare premiums and future taxes. A business sale may alter cash flow, estate plans, charitable giving and investment risk. A concentrated stock position may involve taxes, retirement timing and family wealth-transfer decisions at the same time.
When each issue is handled separately, the client is left to connect the pieces. Kingsview is designed to help the advisor see those pieces together.
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A Narrower Advisory Relationship May Focus on: |
The Kingsview Platform Can Support: |
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Selecting and monitoring investments |
Goals-based planning connected to investment decisions |
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Calendar-based or periodic portfolio reviews |
Ongoing monitoring and trigger-based rebalancing |
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A limited investment shelf |
A broad lineup across public and eligible private-market strategies |
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A single account or financial objective |
Retirement, tax, estate, risk and family-wealth considerations |
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Documents scattered among multiple professionals |
A secure document vault supporting better organization |
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One custodian or a restricted operating model |
Multiple custodial options, depending on the relationship |
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Product-driven priorities |
A fiduciary advisory relationship free from sales quotas |
This comparison illustrates two different service models rather than defining every firm or Kingsview relationship. Clients should compare the actual platform and service agreement because two similar percentages can purchase very different experiences.
A traditional family office may employ investment, tax, estate, risk and administrative specialists for one ultra-wealthy family. That structure can be valuable, but the expense and complexity of building an entire organization places it beyond the reach of many households.
Kingsview’s family-office-style platform is designed to provide a coordinated experience through an advisory relationship. Depending on the client’s needs and agreement, the platform may support:
Available investments may include individual stocks and bonds, CDs, mutual funds, ETFs, separately managed accounts, annuities, private equity, hedge funds and structured notes. Eligibility, liquidity, risk and cost vary. The appropriate lineup depends on each client’s circumstances and agreement.
“Family-office-style” describes a more connected planning model rather than a formal single-family office. The Kingsview advisor can help coordinate the financial strategy and work with the client’s accountant, attorney and other outside professionals when appropriate.
The value of a broad platform becomes more compelling when the pricing is also competitive. A common Kingsview advisor fee framework begins at 1.00%, declines at higher asset levels and caps the annual advisor fee at $50,000.
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Value of Assets |
Typical Annual Advisor Fee |
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$0 to $749,999 |
1.00% |
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$750,000 to $1,499,999 |
0.90% |
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$1.5 million to $2,999,999 |
0.80% |
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$3 million to $4,999,999 |
0.70% |
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$5 million or more |
0.60% |
Under this schedule, the approximate annual advisor fee would be:
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Assets |
Typical rate |
Approximate Annual Advisor Fee |
|
$500,000 |
1.00% |
$5,000 |
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$1 million |
0.90% |
$9,000 |
|
$1.5 million |
0.80% |
$12,000 |
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$3 million |
0.70% |
$21,000 |
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$5 million |
0.60% |
$30,000 |
The $50,000 annual advisor-fee cap would be reached at approximately $8.33 million under the 0.60% rate. By comparison, a flat 1% fee on the same $8.33 million would be approximately $83,300 annually before other expenses.
The declining schedule recognizes that a client’s assets can increase faster than the work required to serve the relationship. It also makes the effective value proposition stronger for larger and more complex households: the percentage falls while access to the broader planning platform can become increasingly important.
The schedule above is a typical framework rather than a mandatory price for every Kingsview relationship. Kingsview’s Form ADV Part 2A explains that advisory fees are negotiable and set at the discretion of the Kingsview investment adviser representative providing the services.
An advisor may follow the typical schedule or agree to a different permitted fee based on the client’s assets, needs, services and other relevant factors. The actual fee is the one stated in the client’s Investment Advisory Agreement.
That flexibility is important. A straightforward relationship and a complex multigenerational plan may require different levels of work. The advisor can structure the engagement accordingly, but the client should always receive the fee and service scope in writing before moving forward.
Financial value is often created—or lost — where decisions intersect. A portfolio can be well diversified and still be disconnected from the client’s tax bracket, cash-flow needs, estate documents or insurance coverage.
Consider a business owner preparing for a sale. The investment decision begins only after questions about deal structure, liquidity, taxes, estate planning, risk and family priorities have been addressed. Or consider a retiree deciding when to claim Social Security while managing required minimum distributions, charitable gifts and taxable investment income. Treating each decision separately can create unnecessary gaps.
Kingsview’s platform gives the advisor a framework for coordinating those issues. The value comes from a better-organized decision process built around the client’s complete financial picture rather than a promise of higher returns, lower taxes or results tied to a single account.
That is a meaningful distinction from an advisory model that charges a similar fee but delivers mostly portfolio management.
Kingsview advisors are supported by a broad investment platform rather than a narrow product shelf. Depending on the client’s needs and eligibility, that can allow the portfolio to be constructed with public securities, fixed income, separately managed accounts and other strategies suited to the plan.
Multiple custodial options can also give advisors greater flexibility in how accounts are held and serviced. The absence of sales quotas helps keep the advisory conversation centered on the client’s plan rather than a product target.
More choice creates value when it gives the advisor greater ability to select the appropriate solution instead of forcing every client into the same limited menu.
The advisor fee represents one component of the client’s total investment cost. Depending on the investments and services selected, additional expenses may include model-management fees, mutual fund or ETF expense ratios, separately managed account fees, private investment expenses, transaction costs, custody charges, insurance costs or other product-level charges.
Kingsview’s broader platform should be evaluated with the same transparency expected of any advisor. Before signing, clients should ask for the estimated first-year cost in dollars, the services included in the advisor fee and any expenses that sit on top of it.
The SEC’s guide to investment fees and expenses recommends reviewing Form CRS, Form ADV, advisory agreements and investment documents to understand direct and indirect costs.
Compare each percentage within the full context of the relationship. Put the proposals side by side and ask:
For a wider due-diligence list, review these questions to ask a financial advisor before hiring.
Kingsview’s advantage extends beyond a typical fee that can fall at higher asset levels. The fee can provide access to a deeper, family-office-style platform designed to coordinate more of the client’s financial life.
Two advisors may quote nearly the same percentage. If one offers a portfolio and the other brings together planning, investments, tax strategy, estate coordination, risk management and broader choice, the greater difference lies in what the client can accomplish through the relationship.