XP Advisory offers a wrap fee program, charging a single asset-based fee that includes investment management, transaction, custodial, and administrative costs. The fee is negotiable and detailed in the service agreement. The annual management fee can be up to 1.50% of assets under management, billed quarterly in arrears based on the average daily balance. The minimum annual fee for all accounts and services is $5,000, which may be waived. The minimum investment to open and maintain an advisory account is $500,000.