Osaic Wealth is a national financial services firm offering comprehensive investment management, financial planning, and retirement consulting through a network of independent financial professionals. The firm provides access to various investment platforms, including wrap-fee programs, unified managed accounts, and third-party money managers. Clients can receive personalized portfolio construction tailored to their risk tolerance, investment goals, and time horizon. In addition to investment management, Osaic Wealth offers specialized services such as retirement plan consulting for businesses, annuities, alternative investments, and securities-backed lines of credit. The firm operates as both a registered investment advisor and a broker-dealer, clearing trades primarily through Pershing and National Financial Services, as well as Schwab and Fidelity. Osaic Wealth and its financial professionals receive various forms of compensation, including asset-based fees, commissions, and revenue sharing from custodians and product sponsors, creating potential conflicts of interest that the firm addresses through supervisory policies and a fiduciary commitment under certain retirement laws.
Fee Structure
Osaic Wealth offers several investment management programs where fees are charged as an annual percentage of your portfolio, typically billed monthly or quarterly. Because individual financial professionals negotiate their own fee schedules and programs vary by platform, exact rates depend on the specific account type and manager selected.
- Advisor Managed Portfolios and Unified Managed Account Programs — Fees vary based on negotiations with your financial professional and the specific asset allocation models or third-party managers chosen.
- Plan Participant Retirement Program — Annual management fees charge up to 3.00% of your account assets, structured as a fixed percentage or a tiered fee schedule.
- Program Annuities — Annual advisory fees for managing outside annuities will not exceed 1.50% of program assets for new accounts.
Account minimums vary widely by program, ranging from $5,500 to $10,000 for certain automated or platform accounts, while other programs depend on the specific investment product or third-party manager.