Fees at Edward Jones
Highlights:
• Edward Jones is a
full-service investment firm with many different fees and account minimums.
• Edward Jones brokerage accounts and investment-advisory accounts use different pricing schedules.
• Edward Jones is not a discount brokerage firm, so clients should be prepared for higher costs in some areas.
• Larger accounts may qualify for discounts at Edward Jones, at least under certain programs.
Overview of Fees at Edward Jones
To help customers handle different parts of their financial lives, Edward Jones provides access to insurance, annuities, financial planning, and securities. Because the firm offers many products and account types, its fees can vary quite a bit from one service to another. The article below covers some, but not all, of the firm’s products and services, along with related prices and minimums.
Edward Jones Advisory Fees
Many Edward Jones clients start with one of the firm’s investment-advisory services, so we’ll begin there. Money can be placed into a securities account, and depending on the program, either the client makes investment choices with guidance from Edward Jones or the firm manages the account with discretion. For these services, Edward Jones charges annual fees based on a percentage of the assets held in the account.
Clients can choose from several advisory programs. Here are the fee schedules for the company’s Guided Solutions® and Advisory Solutions® programs:
| Total Assets | Annual Fee |
|---|
| First $250,000 | 1.35% |
| Next $250,000 | 1.30% |
| Next $500,000 | 1.20% |
| Next $1,500,000 | 1.00% |
| Next $2,500,000 | 0.80% |
| Next $5,000,000 | 0.60% |
| Over $10,000,000 | 0.50% |
As the schedules show, larger accounts receive lower pricing tiers, which can help reduce the effective cost of investing with Edward Jones. Guided Solutions® Fund accounts can be opened with less than
$5,000, although accounts below that amount face limits on the number and type of investments that can be purchased or held. Guided Solutions® Flex generally requires
$25,000. Advisory Solutions® Fund Models require
$25,000.
Some investment strategies may involve additional costs. In Advisory Solutions® UMA Models, for example, separate account manager fees can range from
0.00% to 0.40% per year. These charges are added to Edward Jones’ program fee and platform fee, so clients should read the specific program brochure and fee schedule before opening an advisory account.
One helpful point is that some advisory fees may be discounted or reduced solely at the discretion of Edward Jones.
Edward Jones Brokerage Accounts Fees
The Select Account is Edward Jones’ brokerage account. This account does not use the percentage-based advisory fee found in the advisory programs described above. However, it does come with some sizable commissions and transaction expenses. Here are several examples:
Stocks: Up to 2.5% of principal or a $50 minimum commission, plus a $4.95 transaction fee for select trades
Bonds: A commission or markup of up to 2% of the purchase amount, or a markdown of up to 0.75% of the sale amount, plus a possible $4.95 transaction fee for select trades
Mutual funds: Equity funds are generally 3.75% to 5.75% per purchase; fixed-income funds are generally 2.25% to 4.75% per purchase
Unit Investment Trusts (UITs): Sales charge between 1.95% and 3.5%
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Edward Jones Margin Rates
Edward Jones brokerage accounts can be approved for margin trading, while advisory accounts generally use margin only as a borrowing feature. Interest rates for both account types follow a tiered schedule and may use household assets when calculating the pricing level.
|
Debit Balance
|
Margin Interest Rates
|
|
$0 to $99,999.99
|
9%
|
|
$100,000.00 – $249,999.99
|
8.75%
|
|
$250,000.00 – $499,999.99
|
8.25%
|
|
$500,000.00 – $999,999.99
|
8.75%
|
|
$50,000 - $99,999
|
6.5%
|
|
$1 million – $2,499,999.99
|
6.25%
|
|
$2.5 million – $4,999,999.99
|
6.25%
|
|
$5 million – $9,999,999.99
|
6%
|
|
$10 million and over
|
5.75%
|
The margin rates are tied to the prime rate published in The Wall Street Journal. Because this rate can change from time to time, the margin rates above can change as well.
Some Edward Jones accounts cannot use margin because of industry rules.
529 Plans
Edward Jones offers 529 plans that use mutual funds as investment options. These accounts may have sales charges and other mutual-fund expenses, similar to the costs described above for mutual-fund trades in brokerage accounts.
Individual Retirement Accounts (IRAs)
An Edward Jones IRA opened as a brokerage account has an annual fee of
$75. For a business IRA, such as a SEP or SIMPLE IRA, the fee is reduced to
$40. In both situations, brokerage clients with household assets above
$250,000 do not have to pay the fee. A brokerage IRA also pays 2% on each DRIP (Dividend Reinvestment Plan) transaction into stock. In addition, there is a $3 monthly fee for each money market mutual fund if the average monthly balance drops below $1,500 or $2,500, depending on the share class. These IRA fees do not apply to Edward Jones investment-advisory accounts.
Brokerage IRAs can also be charged 2% of each systematic stock purchase, with a $5 minimum.
Annuities and Insurance
Edward Jones works with insurance companies to make annuities and insurance available to customers. Examples of insurance products include disability, life, and long-term care policies. Edward Jones does not underwrite these policies itself; instead, it works with underwriters that offer contracts for sale to the firm’s clients. The insurance companies create the fee schedules for these contracts, and Edward Jones discloses the prices at the time of sale.
Financial Planning
In addition to investing and insurance, Edward Jones provides financial planning. Its Ongoing Financial Planning Service has a maximum fee of
$3,600 per year. Edward Jones also says it does not currently charge a separate fee for its Point in Time Financial Planning Service, although it reserves the right to do so in the future.
Cash Management
Edward Jones offers several useful cash-management tools for brokerage and advisory clients. The Flex Funds® account has no annual fee. A debit card is free for personal accounts, while business cash-management solutions cost
$35 per year.
Edward Jones does not reimburse ATM fees on every cash account. ATM owners outside the PNC Bank network may charge surcharge fees, and some accounts may qualify for rebates.
Trustee Services
Another service available to Edward Jones customers is corporate trustee service. Edward Jones Trust Company can serve as trustee, co-trustee, managing agent, or managed IRA provider. Its annual fee is based on a tiered percentage schedule, and trust accounts also include a
$2,000 annual base charge. The minimum account size is generally
$500,000 in liquid marketable securities, and the minimum annual fee is
$6,000 for the first account and
$3,000 for each additional account.
Edward Jones Customer Reviews
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Edward Jones Fees Judgment
Edward Jones is somewhat expensive for brokerage accounts, although large managed accounts may receive lower percentage-based pricing in certain programs.
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Updated on 8/18/2026.
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