Financial License Fee Calculator

ANA›Life Services Authority›National Calculator Authority›Financial License Fee Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Financial License Fee Calculator

Estimate annual regulatory license fees for financial services firms based on license type, assets under management (AUM), and number of registered representatives.

License / Registration Type

Investment Adviser (RIA) Broker-Dealer Mortgage Lender / Broker Money Services Business (MSB) Insurance Company

Jurisdiction

Federal (SEC / FINRA / FinCEN) State-Level

Assets Under Management / Loan Volume (USD)

Number of Registered Representatives / Agents

Number of Branch Offices

Calculate

Fill in the fields above and click Calculate.

function finCalc() { var licenseType = document.getElementById("fin-license-type").value; var jurisdiction = document.getElementById("fin-jurisdiction").value; var aum = parseFloat(document.getElementById("fin-aum").value); var reps = parseInt(document.getElementById("fin-reps").value); var branches = parseInt(document.getElementById("fin-branches").value); var resultDiv = document.getElementById("fin-result");

// ── Input validation ────────────────────────────────────────────────────── if (isNaN(aum) || aum ⚠ AUM / Loan Volume must be a non-negative number."; return; } if (isNaN(reps) || reps ⚠ Number of representatives must be at least 1."; return; } if (isNaN(branches) || branches ⚠ Number of branches must be 0 or more."; return; }

// ── Fee schedules (approximate 2024 published rates) ────────────────────── // // Investment Adviser (RIA) // Federal (SEC): base $225 + tiered AUM fee (Form ADV) // Tier 1: AUM ≤ $1B → 0.0000257 × AUM (≈ $25.70 per $1M) // Tier 2: AUM > $1B → $25,700 + 0.0000131 × (AUM − $1B) // State: base $150 + $50 per rep + $75 per branch // // Broker-Dealer // Federal (FINRA): base $7,500 + $85 per rep + $1,200 per branch // + SIPC assessment: 0.0025% of net operating revenues // (proxy: 0.0025% of AUM as rough estimate) // State: base $500 + $40 per rep + $200 per branch // // Mortgage Lender / Broker (NMLS) // Federal (CFPB): base $1,000 + $100 per loan officer (rep) // State: base $500 + $75 per loan officer + $150 per branch // // Money Services Business (MSB / FinCEN) // Federal: flat $0 registration (FinCEN) + $500 compliance estimate // State: base $1,000 + 0.0001% of transaction volume (AUM proxy) // + $200 per branch // // Insurance Company // Federal: base $5,000 (FIO / state-chartered, federal proxy) // State: base $2,500 + 0.002% of premium volume (AUM proxy) // + $300 per agent (rep) + $500 per branch

var baseFee = 0; var aumFee = 0; var repFee = 0; var branchFee = 0; var miscFee = 0; var breakdown = []; var formulaLabel = "";

if (licenseType === "ia") { formulaLabel = "Investment Adviser (RIA)"; if (jurisdiction === "federal") { baseFee = 225; if (aum

#### Formulas Used

Investment Adviser (RIA) — Federal (SEC): Total = $225 + AUM Fee   AUM ≤ $1B: AUM Fee = 0.00257% × AUM   AUM > $1B: AUM Fee = $25,700 + 0.00131% × (AUM − $1,000,000,000)

Investment Adviser (RIA) — State: Total = $150 + ($50 × Reps) + ($75 × Branches)

Broker-Dealer — Federal (FINRA): Total = $7,500 + ($85 × Reps) + ($1,200 × Branches) + (0.0025% × AUM)

Broker-Dealer — State: Total = $500 + ($40 × Reps) + ($200 × Branches)

Mortgage Lender/Broker — Federal (NMLS): Total = $1,000 + ($100 × Loan Officers)

Mortgage Lender/Broker — State (NMLS): Total = $500 + ($75 × Loan Officers) + ($150 × Branches)

MSB — Federal (FinCEN): Total = $0 registration + $500 compliance estimate

MSB — State: Total = $1,000 + (0.0001% × Transaction Volume) + ($200 × Branches)

Insurance Company — Federal: Total = $5,000 (proxy)

Insurance Company — State: Total = $2,500 + (0.002% × Premium Volume) + ($300 × Agents) + ($500 × Branches)

#### Assumptions & References

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References

Related Authorities

Life Services Authority › Professional Services Authority › Trade Services Authority › United States Authority ›