Local pricing for 7 financial advisor services in New York, NY.
New York, NY Range
$270 – $13,500 · 0% – 1.5%
Financial advisor pricing in 2026 splits across three models that often coexist within the same firm: (1) AUM fee — 0.5%–1.5% of investable assets per year, deducted from the portfolio quarterly, dropping at breakpoints above $1M; (2) flat-fee planning — $1,500–$5,000 for a one-time comprehensive plan, popular at fee-only RIAs (NAPFA, XY Planning Network, Garrett); (3) hourly — $200–$500/hr for project work or second opinions. Robo-advisors compress the AUM end to 0.25–0.30% (Vanguard PAS, Wealthfront, Betterment) but offer limited human planning. Fee-only fiduciary RIAs are the fastest-growing segment as consumers move away from commission-based broker-dealer reps. Investment_advisor (RIA-licensed) and financial_advisor pricing are structurally identical — the regulatory distinction does not drive a price differential. Dollar prices are adjusted for NY cost of living (+35% vs. national average); percentage-based fees (commissions, rates, contingency) are largely federal/national and shown unadjusted.
58
Verified Providers in New York
4.8
Avg Rating
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7 services covered. Prices vary by provider — ranges shown.
| Service | Range | Unit |
|---|---|---|
Assets Under Management (AUM) Fee Account size: < $500K typically pays 1.0–1.5%; $1M–$5M pays 0.75–1.0%; $5M+ pays 0.25–0.75% Source: Kitces Research 2025 + Bob Veres Inside Information fee survey | 0.50% – 1.5% | of portfolio per year (typically billed quarterly) |
Flat-Fee Comprehensive Financial Plan Plan complexity (single-income W-2 vs. business owner with equity comp + real estate) Source: NAPFA 2025 fee benchmarking + XY Planning Network member data | $2,025 – $6,750 | per one-time comprehensive plan (3–6 month engagement) |
Hourly Financial Consultation Credentials: CFP $250–$400/hr median; CFA in planning context $300–$500/hr Source: Garrett Planning Network 2025 directory + CFP Board comp survey | $270 – $675/hr | per hour (CFP / CFA, project work or second opinion) |
Retirement Planning Package Monte Carlo simulation + withdrawal sequencing analysis Source: Kitces Research 2025 + NAPFA fee benchmarking | $2,025 – $4,725 | per retirement-focused planning engagement |
Estate Planning Coordination Advisor coordinates with estate attorney — does not draft documents Source: AICPA PFP Section + estate-planning-attorney market surveys | $1,350 – $4,050 | per coordinated engagement (advisor scope, attorney billed separately) |
Tax-Loss Harvesting Service Frequently bundled into AUM fee at no extra cost (Wealthfront, Betterment, most RIAs) Source: Wealthfront / Betterment / Frec 2026 published fee schedules | 0% – 0.40% | of portfolio per year (often included in AUM fee) |
Annual Advisor Retainer (Flat-Fee Ongoing) Replaces AUM model — flat dollars regardless of portfolio size Source: Kitces Research 2025 + XY Planning Network member fee data | $5,400 – $13,500 | per year (ongoing, AUM-independent) |
Dollar prices adjusted for New York, NY cost of living. Percentage-based fees (commissions, rates, contingency) are not adjusted. Actual costs vary by provider — get multiple quotes for accurate pricing.
Financial Advisory Services in New York, NY cover 7 distinct services. $270 – $13,500 · 0% – 1.5%. Per-service pricing breakdown is in the table below.
Fee model (AUM / flat / hourly / retainer / hybrid); Portfolio size and breakpoint schedule (matters for AUM model); Credentials (CFP, CFA, ChFC) and specialty (equity comp, divorce, small-business); Service depth (investment-only vs. comprehensive wealth management); Custodian / platform fees layered separately (Schwab, Fidelity, LPL); Fiduciary status (RIA = always; broker-dealer rep = only on retirement accounts under DOL rule).
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