Fees are negotiable and charged quarterly in advance, based on the account's value. RBC program fees and managed account fees range from 0.50% to 3% annually, with a minimum annual fee of $125 for RBC programs and $500 for managed accounts. Financial planning fees are negotiated, ranging from $25-$500 hourly or $50-$15,000 flat. Accounts opened mid-quarter are billed pro-rata. There is a $50 administrative fee for accounts closed within the first year.