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Financial Services 2026Updated

List of Fiduciary Registered Investment Advisors for High-Net-Worth Clients

Comprehensive directory of SEC-registered, fee-only fiduciary RIA firms that specialize in serving high-net-worth individuals and family offices, with details on AUM, fee structures, and service offerings.

Available Data Fields

Firm Name
Headquarters
AUM
Fee Structure
Minimum Account Size
Fiduciary Status
SEC CRD Number
Services Offered
Client Types
Contact
Website
Compliance Record

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Firm NameHeadquartersAUMFee Structure
Moneta Group Investment AdvisorsSt. Louis, MO$37.4BFee-Only
Savant Wealth ManagementRockford, IL$38.1BFee-Only
EP Wealth AdvisorsTorrance, CA$36.4BFee-Only
Chevy Chase Trust CompanyBethesda, MD$36.0BFee-Only
Buckingham Strategic WealthSt. Louis, MO$29.5BFee-Only

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Fiduciary RIAs Serving High-Net-Worth Clients

As of 2024, over 15,000 SEC-registered investment advisers collectively manage approximately $128 trillion in assets. Among them, roughly 3,000 firms operate under a strict fee-only model—meaning they accept no commissions and are legally obligated to place client interests first. For high-net-worth individuals and family offices, this distinction matters: a fiduciary RIA eliminates the conflicts of interest inherent in commission-based advisory models.

What Defines a Fiduciary RIA

A Registered Investment Advisor (RIA) registered with the SEC is bound by the Investment Advisers Act of 1940, which imposes a fiduciary duty encompassing both a duty of care and a duty of loyalty. Fee-only fiduciary RIAs go further by declining all forms of third-party compensation—no commissions, no revenue sharing, no 12b-1 fees.

The High-Net-Worth Landscape

CategoryTypical AUM RangeCommon Services
High-Net-Worth$1M – $10MPortfolio management, tax planning, estate planning
Ultra-High-Net-Worth$10M – $100MMulti-generational planning, alternative investments, philanthropy
Family Office$100M+Full-service wealth management, direct investments, concierge services

Fee Structures to Expect

Most fee-only RIAs charge a percentage of assets under management, typically between 0.50% and 1.00% annually for portfolios above $1 million. Some firms offer flat-fee or retainer models. The key distinction is the absence of commissions—ensuring recommendations are driven by client needs, not product payouts.

Key Due Diligence Steps

SEC IAPD Database
Verify registration, review Form ADV Part 2 for fee disclosures and conflict-of-interest statements
NAPFA Membership
The National Association of Personal Financial Advisors requires members to be fee-only fiduciaries
CFP Board Verification
Confirm individual advisor credentials and disciplinary history

Industry Scale

The 150 largest fee-only RIAs manage a combined $1.09 trillion across more than 949,000 client accounts, employing 4,422 financial advisors. The top three firms by AUM in 2025—Moneta Group, Chevy Chase Trust, and EP Wealth Advisors—each manage over $35 billion in client assets.

Frequently Asked Questions

Q.How is this data collected and how current is it?

When you submit a request, our AI crawls public sources including SEC IAPD filings, firm websites, and industry databases to compile the most current information available. This is not a static database—data is gathered fresh at the time of your request.

Q.Does this list include only SEC-registered firms?

The dataset focuses on SEC-registered RIAs, which are required to have at least $100 million in regulatory AUM. State-registered advisors below this threshold are not included unless specifically requested.

Q.How can I verify that a firm is truly a fiduciary?

Each firm entry includes its SEC CRD number, which you can use to access its Form ADV on the SEC IAPD website. Form ADV Part 2A discloses fee structures, conflicts of interest, and the firm's fiduciary obligations.

Q.What is the difference between fee-only and fee-based advisors?

Fee-only advisors accept compensation solely from client fees—no commissions or third-party payments. Fee-based advisors may charge fees but can also earn commissions on product sales, creating potential conflicts of interest. This dataset can be filtered to include only fee-only fiduciaries.

Q.Can I filter by specific investment minimums or services?

Yes. You can specify criteria such as minimum account size, specific services like estate planning or alternative investments, geographic location, and AUM thresholds to narrow the list to firms that match your needs.