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review explores the services that Valic Financial Advisors offers, the fees, and the pros and cons of using the company.",[769],{"type":129,"attrs":770},{"color":771},"#000000",{"type":773,"attrs":774,"content":776},"heading",{"level":775,"textAlign":34},2,[777],{"text":778,"type":22,"marks":779},"What does Valic Financial Advisors do?",[780,782],{"type":129,"attrs":781},{"color":771},{"type":38},{"type":18,"attrs":784,"content":785},{"textAlign":34},[786],{"text":787,"type":22,"marks":788},"Valic Financial Advisors (VFA) provides investment advisory services under the Corebridge Financial brand, a major US provider of retirement and insurance solutions. As a registered investment advisor and broker-dealer, VFA offers ongoing portfolio management and financial guidance through its network of financial professionals.",[789],{"type":129,"attrs":790},{"color":771},{"type":18,"attrs":792,"content":793},{"textAlign":34},[794],{"text":795,"type":22,"marks":796},"VFA’s services are designed for clients who want professionally managed portfolios aligned with their goals, time horizon, and risk tolerance. The firm offers four wrap-fee advisory programs:",[797],{"type":129,"attrs":798},{"color":771},{"type":800,"content":801},"bullet_list",[802,813,823,833],{"type":803,"content":804},"list_item",[805],{"type":18,"attrs":806,"content":807},{"textAlign":34},[808],{"text":809,"type":22,"marks":810},"Guided Portfolio Services (GPS)",[811],{"type":129,"attrs":812},{"color":771},{"type":803,"content":814},[815],{"type":18,"attrs":816,"content":817},{"textAlign":34},[818],{"text":819,"type":22,"marks":820},"Guided Portfolio Advantage (GPA)",[821],{"type":129,"attrs":822},{"color":771},{"type":803,"content":824},[825],{"type":18,"attrs":826,"content":827},{"textAlign":34},[828],{"text":829,"type":22,"marks":830},"Managed Investment Program (MIP)",[831],{"type":129,"attrs":832},{"color":771},{"type":803,"content":834},[835],{"type":18,"attrs":836,"content":837},{"textAlign":34},[838],{"text":839,"type":22,"marks":840},"MIP Unified Managed Account (UMA)",[841],{"type":129,"attrs":842},{"color":771},{"type":18,"attrs":844,"content":845},{"textAlign":34},[846],{"text":847,"type":22,"marks":848},"In addition to portfolio management, VFA also provides financial planning and consulting services.",[849],{"type":129,"attrs":850},{"color":771},{"type":18,"attrs":852,"content":853},{"textAlign":34},[854],{"text":855,"type":22,"marks":856},"Most clients work with VFA through an investment advisor representative (IAR). After completing a client profile and risk-tolerance questionnaire, the IAR helps the client select an appropriate advisory program. Once the account is established, the advisor remains available to discuss changes in circumstances and answer questions.",[857],{"type":129,"attrs":858},{"color":771},{"type":18,"attrs":860,"content":861},{"textAlign":34},[862],{"text":863,"type":22,"marks":864},"Portfolio management is handled by VFA, Envestnet, or third-party managers, depending on the program. This includes ongoing monitoring, rebalancing, allocation adjustments, and trade execution, giving clients continuous professional oversight with advisor support as their needs evolve.",[865],{"type":129,"attrs":866},{"color":771},{"type":773,"attrs":868,"content":869},{"level":775,"textAlign":34},[870],{"text":871,"type":22,"marks":872},"What are the pros and cons of Valic Financial Advisors?",[873,875],{"type":129,"attrs":874},{"color":771},{"type":38},{"type":18,"attrs":877,"content":878},{"textAlign":34},[879],{"text":880,"type":22,"marks":881},"Valic Financial Advisors offers a structured advisory experience centered on professional guidance, ongoing portfolio management and multiple wrap fee programs that cater to different clients.",[882],{"type":129,"attrs":883},{"color":771},{"type":18,"attrs":885,"content":886},{"textAlign":34},[887],{"text":888,"type":22,"marks":889},"This makes it suitable for individuals who want help aligning their investments with long-term goals and prefer having access to a financial professional. Each advisory program has its own fee schedule and eligibility rules, which may limit flexibility or increase costs for certain investors.",[890],{"type":129,"attrs":891},{"color":771},{"type":773,"attrs":893,"content":895},{"level":894,"textAlign":34},3,[896],{"text":897,"type":22,"marks":898},"The pros of Valic Financial Advisors:",[899],{"type":129,"attrs":900},{"color":771},{"type":800,"content":902},[903,919,935,951],{"type":803,"content":904},[905],{"type":18,"attrs":906,"content":907},{"textAlign":34},[908,914],{"text":909,"type":22,"marks":910},"Access to financial professionals: ",[911,913],{"type":129,"attrs":912},{"color":771},{"type":38},{"text":915,"type":22,"marks":916},"Clients work directly with IARs, who help establish their profile, discuss goals and review changes in circumstances.",[917],{"type":129,"attrs":918},{"color":771},{"type":803,"content":920},[921],{"type":18,"attrs":922,"content":923},{"textAlign":34},[924,930],{"text":925,"type":22,"marks":926},"Professionally managed portfolios with ongoing oversight: ",[927,929],{"type":129,"attrs":928},{"color":771},{"type":38},{"text":931,"type":22,"marks":932},"Portfolio monitoring, rebalancing, allocation updates and trading are handled by VFA, Envestnet or third-party managers depending on the program, reducing clients' need to manage allocations themselves.",[933],{"type":129,"attrs":934},{"color":771},{"type":803,"content":936},[937],{"type":18,"attrs":938,"content":939},{"textAlign":34},[940,946],{"text":941,"type":22,"marks":942},"Multiple advisory programs for different needs: ",[943,945],{"type":129,"attrs":944},{"color":771},{"type":38},{"text":947,"type":22,"marks":948},"VFA offers four wrap-fee advisory programs, alongside financial planning and consulting services to accommodate different client needs.",[949],{"type":129,"attrs":950},{"color":771},{"type":803,"content":952},[953],{"type":18,"attrs":954,"content":955},{"textAlign":34},[956,962],{"text":957,"type":22,"marks":958},"Support for long-term and retirement-focused goals: ",[959,961],{"type":129,"attrs":960},{"color":771},{"type":38},{"text":963,"type":22,"marks":964},"The GPA program is specifically for eligible VALIC variable annuity contracts and is intended to support clients’ retirement objectives through allocation guidance. The GPS program also incorporates goal-based planning that can support retirement-focused strategies.",[965],{"type":129,"attrs":966},{"color":771},{"type":773,"attrs":968,"content":969},{"level":894,"textAlign":34},[970],{"text":971,"type":22,"marks":972},"The cons of Valic Financial Advisors:",[973],{"type":129,"attrs":974},{"color":771},{"type":800,"content":976},[977,1009,1025],{"type":803,"content":978},[979],{"type":18,"attrs":980,"content":981},{"textAlign":34},[982,988,993,1004],{"text":983,"type":22,"marks":984},"Advisory fees can be relatively high for certain programs: ",[985,987],{"type":129,"attrs":986},{"color":771},{"type":38},{"text":989,"type":22,"marks":990},"Some programs have higher advisory costs than lower-cost investment options. For example, GPS Portfolio Manager charges ",[991],{"type":129,"attrs":992},{"color":771},{"text":994,"type":22,"marks":995},"up to 0.6% annually",[996,999,1002],{"type":31,"attrs":997},{"href":998,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://my.valic.com/DocumentServices/RetrieveDocument.aspx?appid=6%2bYJhXaPAz5%2fh7d2pjs9Lw%3d%3d&fid=80992",{"type":129,"attrs":1000},{"color":1001},"#1155CC",{"type":1003},"underline",{"text":1005,"type":22,"marks":1006},", and GPA applies tiered fees starting at 1.12%. These may be expensive for clients seeking a simpler or lower fee structure. ",[1007],{"type":129,"attrs":1008},{"color":771},{"type":803,"content":1010},[1011],{"type":18,"attrs":1012,"content":1013},{"textAlign":34},[1014,1020],{"text":1015,"type":22,"marks":1016},"Program requirements may limit who can enroll:",[1017,1019],{"type":129,"attrs":1018},{"color":771},{"type":38},{"text":1021,"type":22,"marks":1022}," For example, GPA is only available to clients who own or buy eligible VALIC variable annuity contracts, which restricts its accessibility compared with open-architecture advisory platforms. ",[1023],{"type":129,"attrs":1024},{"color":771},{"type":803,"content":1026},[1027],{"type":18,"attrs":1028,"content":1029},{"textAlign":34},[1030,1036],{"text":1031,"type":22,"marks":1032},"Limited flexibility outside program-approved options: ",[1033,1035],{"type":129,"attrs":1034},{"color":771},{"type":38},{"text":1037,"type":22,"marks":1038},"Across VFA’s wrap fee programs, clients must invest within approved fund lists, strategist models or UMA sleeves. Custom portfolios or individual security selection generally isn’t available. ",[1039],{"type":129,"attrs":1040},{"color":771},{"type":18,"attrs":1042,"content":1043},{"textAlign":34},[1044],{"text":1045,"type":22,"marks":1046},"Valic Financial Advisors offers a structured advisory experience built around professional advice, ongoing portfolio oversight, and several program options to support long-term investing.",[1047],{"type":129,"attrs":1048},{"color":771},{"type":18,"attrs":1050,"content":1051},{"textAlign":34},[1052],{"text":1053,"type":22,"marks":1054},"Clients who want access to financial professionals and prefer guided investment management may find VFA suitable for their needs.",[1055],{"type":129,"attrs":1056},{"color":771},{"type":18,"attrs":1058,"content":1059},{"textAlign":34},[1060],{"text":1061,"type":22,"marks":1062},"However, the fees, eligibility requirements and limited flexibility in choosing investments may not appeal to investors who value lower costs or greater control over portfolio construction.",[1063],{"type":129,"attrs":1064},{"color":771},{"type":773,"attrs":1066,"content":1067},{"level":775,"textAlign":34},[1068],{"text":1069,"type":22,"marks":1070},"Valic Financial Advisors fees: how much does it cost?",[1071,1073],{"type":129,"attrs":1072},{"color":771},{"type":38},{"type":18,"attrs":1075,"content":1076},{"textAlign":34},[1077],{"text":1078,"type":22,"marks":1079},"Valic Financial Advisors charges advisory fees based on the wrap fee program.",[1080],{"type":129,"attrs":1081},{"color":771},{"type":18,"attrs":1083,"content":1084},{"textAlign":34},[1085],{"text":1086,"type":22,"marks":1087},"Unlike platforms that use a single pricing tier, VFA’s four advisory programs each have their own fees, which may include advisory, strategist, overlay, and platform charges.",[1088],{"type":129,"attrs":1089},{"color":771},{"type":18,"attrs":1091,"content":1092},{"textAlign":34},[1093],{"text":1094,"type":22,"marks":1095},"Below is a breakdown of the fee structure for each program.",[1096],{"type":129,"attrs":1097},{"color":771},{"type":773,"attrs":1099,"content":1100},{"level":894,"textAlign":34},[1101],{"text":1102,"type":22,"marks":1103},"Guided Portfolio Services (GPS)：",[1104],{"type":129,"attrs":1105},{"color":771},{"type":18,"attrs":1107,"content":1108},{"textAlign":34},[1109],{"text":1110,"type":22,"marks":1111},"The GPS program includes two services with different fee structures.",[1112],{"type":129,"attrs":1113},{"color":771},{"type":18,"attrs":1115,"content":1116},{"textAlign":34},[1117],{"text":1118,"type":22,"marks":1119},"GPS Portfolio Advisor is available at no cost. GPS Portfolio Manager charges a tiered advisory fee based on the combined value of all enrolled accounts at quarter-end.",[1120],{"type":129,"attrs":1121},{"color":771},{"type":18,"attrs":1123,"content":1124},{"textAlign":34},[1125],{"text":1126,"type":22,"marks":1127},"No fee is charged for any quarter in which combined assets are below $5,000. Clients also pay standard fees and expenses of the underlying annuity or mutual fund investments, and any applicable administrative or recordkeeping costs.",[1128],{"type":129,"attrs":1129},{"color":771},{"type":18,"attrs":1131,"content":1132},{"textAlign":34},[1133],{"text":1134,"type":22,"marks":1135},"GPS Portfolio Manager annual advisory fees",[1136,1138],{"type":129,"attrs":1137},{"color":771},{"type":38},"article-rich-text",{"_uid":1141,"caption":12,"content":1142,"component":1160,"show_search":543,"paste_content":1161,"number_of_rows":1183,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"c22fa25f-5f39-46f7-9edd-f6483c7efad1",{"tbody":1143,"thead":1153,"fieldtype":1159},[1144],{"_uid":1145,"body":1146,"component":1152},"8e537d47-a9c8-4882-882c-42524c460051",[1147,1150],{"_uid":1148,"value":12,"component":1149},"cbe9c551-141b-417d-a54a-a47e9043d683","_table_col",{"_uid":1151,"value":12,"component":1149},"479d975d-3540-4d51-b28c-6d9d28b2b14b","_table_row",[1154,1157],{"_uid":1155,"value":12,"component":1156},"18810035-0f6c-41ff-bbf9-29200f3c0407","_table_head",{"_uid":1158,"value":12,"component":1156},"49d7b72e-8855-4481-a13f-c14e6234ae84","table","article-table",{"type":15,"content":1162},[1163,1168,1173,1178],{"type":18,"attrs":1164,"content":1165},{"textAlign":34},[1166],{"text":1167,"type":22},"Assets under management (AUM)\tAnnual advisory fee",{"type":18,"attrs":1169,"content":1170},{"textAlign":34},[1171],{"text":1172,"type":22},"First $100,000\t0.6%",{"type":18,"attrs":1174,"content":1175},{"textAlign":34},[1176],{"text":1177,"type":22},"Next $150,000\t0.5%",{"type":18,"attrs":1179,"content":1180},{"textAlign":34},[1181],{"text":1182,"type":22},"Over $250,000\t0.45%","10",{"_uid":1185,"data":1186,"component":1139},"d43c4794-c76b-40aa-b2d9-b608084cd272",{"type":15,"content":1187},[1188,1196,1218],{"type":773,"attrs":1189,"content":1190},{"level":894,"textAlign":34},[1191],{"text":1192,"type":22,"marks":1193},"Guided Portfolio Advantage (GPA):",[1194],{"type":129,"attrs":1195},{"color":771},{"type":18,"attrs":1197,"content":1198},{"textAlign":34},[1199,1204,1213],{"text":1200,"type":22,"marks":1201},"Clients using PD Advantage pay a flat annual advisory fee of ",[1202],{"type":129,"attrs":1203},{"color":771},{"text":1205,"type":22,"marks":1206},"1%",[1207,1210,1212],{"type":31,"attrs":1208},{"href":1209,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://my.valic.com/DocumentServices/RetrieveDocument.aspx?appid=6%2bYJhXaPAz5%2fh7d2pjs9Lw%3d%3d&fid=83819",{"type":129,"attrs":1211},{"color":1001},{"type":1003},{"text":1214,"type":22,"marks":1215}," of their account value.",[1216],{"type":129,"attrs":1217},{"color":771},{"type":18,"attrs":1219,"content":1220},{"textAlign":34},[1221],{"text":1222,"type":22,"marks":1223},"Guided Portfolio Advantage annual advisory fees",[1224,1226],{"type":129,"attrs":1225},{"color":771},{"type":38},{"_uid":1228,"caption":12,"content":1229,"component":1160,"show_search":543,"paste_content":1243,"number_of_rows":1183,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"9aca3851-4e92-4954-b5f0-3682a06e3645",{"tbody":1230,"thead":1238,"fieldtype":1159},[1231],{"_uid":1232,"body":1233,"component":1152},"06fdf405-8d6d-4118-a768-f8bdb4033f75",[1234,1236],{"_uid":1235,"value":12,"component":1149},"ca51e0ab-7425-4172-ab5d-a9b15f1c7536",{"_uid":1237,"value":12,"component":1149},"d2d9aa1e-0cf2-40c2-a2af-f8290adb329a",[1239,1241],{"_uid":1240,"value":12,"component":1156},"fe71b323-0d44-4695-907e-77f883b62c68",{"_uid":1242,"value":12,"component":1156},"1aed2de4-757c-427c-91f2-51c34b9c11ef",{"type":15,"content":1244},[1245,1250,1255,1260,1265,1270,1275],{"type":18,"attrs":1246,"content":1247},{"textAlign":34},[1248],{"text":1249,"type":22},"AUM\tAnnual advisory fee",{"type":18,"attrs":1251,"content":1252},{"textAlign":34},[1253],{"text":1254,"type":22},"First $250,000\t1.12%",{"type":18,"attrs":1256,"content":1257},{"textAlign":34},[1258],{"text":1259,"type":22},"Next $250,000\t0.97%",{"type":18,"attrs":1261,"content":1262},{"textAlign":34},[1263],{"text":1264,"type":22},"Next $500,000\t0.87%",{"type":18,"attrs":1266,"content":1267},{"textAlign":34},[1268],{"text":1269,"type":22},"Next $1 million\t0.77%",{"type":18,"attrs":1271,"content":1272},{"textAlign":34},[1273],{"text":1274,"type":22},"Next $3 million\t0.67%",{"type":18,"attrs":1276,"content":1277},{"textAlign":34},[1278],{"text":1279,"type":22},"Amount over $5 million\t0.57%",{"_uid":1281,"data":1282,"component":1139},"02c81c60-a7a4-421a-8c05-036f13e39d3f",{"type":15,"content":1283},[1284,1292,1300,1308,1330,1338,1346,1354,1362,1370,1378,1386],{"type":18,"attrs":1285,"content":1286},{"textAlign":34},[1287],{"text":1288,"type":22,"marks":1289},"On top of the GPA advisory fee, clients pay standard fees and expenses of the underlying VALIC Portfolio Director annuity. These may include separate account and maintenance charges, surrender fees, and fees and expenses of the mutual funds within the contract. ",[1290],{"type":129,"attrs":1291},{"color":771},{"type":18,"attrs":1293,"content":1294},{"textAlign":34},[1295],{"text":1296,"type":22,"marks":1297},"These annuity level charges are separate from the GPA advisory fee and vary depending on the contract and investment options.",[1298],{"type":129,"attrs":1299},{"color":771},{"type":773,"attrs":1301,"content":1302},{"level":894,"textAlign":34},[1303],{"text":1304,"type":22,"marks":1305},"Managed Investment Program (MIP):",[1306],{"type":129,"attrs":1307},{"color":771},{"type":18,"attrs":1309,"content":1310},{"textAlign":34},[1311,1316,1325],{"text":1312,"type":22,"marks":1313},"The MIP has a wide range of fees because each strategist model has its own schedule. Total advisory costs, including VFA’s program fee and the strategist’s fee, ",[1314],{"type":129,"attrs":1315},{"color":771},{"text":1317,"type":22,"marks":1318},"range from 0.55% to 2.03% annually",[1319,1322,1324],{"type":31,"attrs":1320},{"href":1321,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://my.valic.com/DocumentServices/RetrieveDocument.aspx?appid=6%2bYJhXaPAz5%2fh7d2pjs9Lw%3d%3d&fid=80991",{"type":129,"attrs":1323},{"color":1001},{"type":1003},{"text":1326,"type":22,"marks":1327},", depending on the portfolio selected and the client’s assets. ",[1328],{"type":129,"attrs":1329},{"color":771},{"type":18,"attrs":1331,"content":1332},{"textAlign":34},[1333],{"text":1334,"type":22,"marks":1335},"In addition to advisory fees, some strategist portfolios have minimum allocations (for example, $5,000 or more per model), and certain strategies may include platform or strategist charges that vary by provider.",[1336],{"type":129,"attrs":1337},{"color":771},{"type":18,"attrs":1339,"content":1340},{"textAlign":34},[1341],{"text":1342,"type":22,"marks":1343},"Clients also pay underlying fund expenses of mutual funds or exchange-traded funds (ETFs).",[1344],{"type":129,"attrs":1345},{"color":771},{"type":773,"attrs":1347,"content":1348},{"level":894,"textAlign":34},[1349],{"text":1350,"type":22,"marks":1351},"MIP Unified Managed Account Program (MIP UMA)：",[1352],{"type":129,"attrs":1353},{"color":771},{"type":18,"attrs":1355,"content":1356},{"textAlign":34},[1357],{"text":1358,"type":22,"marks":1359},"The MIP UMA Program charges a single program fee that includes an advisory fee paid to VFA and platform costs associated with Envestnet, UMA Model Managers, and National Financial Services.",[1360],{"type":129,"attrs":1361},{"color":771},{"type":18,"attrs":1363,"content":1364},{"textAlign":34},[1365],{"text":1366,"type":22,"marks":1367},"This fee is assessed quarterly based on the account’s average daily balance and follows a tiered schedule.",[1368],{"type":129,"attrs":1369},{"color":771},{"type":18,"attrs":1371,"content":1372},{"textAlign":34},[1373],{"text":1374,"type":22,"marks":1375},"Clients also pay internal fees and expenses of the mutual funds, ETFs or closed-end funds, and any applicable IRA custodial fees, fixed-income mark-ups, and other fees.",[1376],{"type":129,"attrs":1377},{"color":771},{"type":18,"attrs":1379,"content":1380},{"textAlign":34},[1381],{"text":1382,"type":22,"marks":1383},"Envestnet also applies a minimum annual platform fee of $150, assessed quarterly when applicable.",[1384],{"type":129,"attrs":1385},{"color":771},{"type":18,"attrs":1387,"content":1388},{"textAlign":34},[1389],{"text":1390,"type":22,"marks":1391},"Standard MIP UMA annual program fees",[1392,1394],{"type":129,"attrs":1393},{"color":771},{"type":38},{"_uid":1396,"caption":12,"content":1397,"component":1160,"show_search":543,"paste_content":1411,"number_of_rows":1183,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"8040db07-6b0b-4c08-9274-a7fa19e10ef7",{"tbody":1398,"thead":1406,"fieldtype":1159},[1399],{"_uid":1400,"body":1401,"component":1152},"d82a3cbf-c7d4-4f1c-9c98-45494d7c57ad",[1402,1404],{"_uid":1403,"value":12,"component":1149},"bdde8f97-3ea1-438e-a81a-c49617b120dc",{"_uid":1405,"value":12,"component":1149},"8bed90e4-f070-437b-b612-1bad9729f265",[1407,1409],{"_uid":1408,"value":12,"component":1156},"d46aa6f2-f6b2-4e79-b3ef-2f9524d3daf5",{"_uid":1410,"value":12,"component":1156},"38aa022a-d277-4430-bc56-9302e1ead05b",{"type":15,"content":1412},[1413,1418,1423,1428,1433,1438,1443,1448,1453],{"type":18,"attrs":1414,"content":1415},{"textAlign":34},[1416],{"text":1417,"type":22},"AUM\tAnnual program fee",{"type":18,"attrs":1419,"content":1420},{"textAlign":34},[1421],{"text":1422,"type":22},"First $250,000\t2.13%",{"type":18,"attrs":1424,"content":1425},{"textAlign":34},[1426],{"text":1427,"type":22},"Next $250,000\t1.79%",{"type":18,"attrs":1429,"content":1430},{"textAlign":34},[1431],{"text":1432,"type":22},"Next $500,000\t1.57%",{"type":18,"attrs":1434,"content":1435},{"textAlign":34},[1436],{"text":1437,"type":22},"Next $1 million\t1.46%",{"type":18,"attrs":1439,"content":1440},{"textAlign":34},[1441],{"text":1442,"type":22},"Next $3 million\t1.35%",{"type":18,"attrs":1444,"content":1445},{"textAlign":34},[1446],{"text":1447,"type":22},"Next $5 million\t1.24%",{"type":18,"attrs":1449,"content":1450},{"textAlign":34},[1451],{"text":1452,"type":22},"Next $15 million\t1.22%",{"type":18,"attrs":1454,"content":1455},{"textAlign":34},[1456],{"text":1457,"type":22},"Over $25 million\t1.20%",{"_uid":1459,"data":1460,"component":1139},"52bf0951-8ddb-4cec-9f2d-cd3779890053",{"type":15,"content":1461},[1462,1470,1478],{"type":18,"attrs":1463,"content":1464},{"textAlign":34},[1465],{"text":1466,"type":22,"marks":1467},"A portion of the program fee reflects the management and administration fee charged by UMA Model Managers, which ranges from 0.08% to 0.6%, depending on the model selected.",[1468],{"type":129,"attrs":1469},{"color":771},{"type":18,"attrs":1471,"content":1472},{"textAlign":34},[1473],{"text":1474,"type":22,"marks":1475},"If tax overlay or impact overlay is selected, an additional overlay fee applies.",[1476],{"type":129,"attrs":1477},{"color":771},{"type":18,"attrs":1479,"content":1480},{"textAlign":34},[1481],{"text":1482,"type":22,"marks":1483},"Optional overlay services annual fee",[1484,1486],{"type":129,"attrs":1485},{"color":771},{"type":38},{"_uid":1488,"caption":12,"content":1489,"component":1160,"show_search":543,"paste_content":1503,"number_of_rows":1183,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"a0966238-4f00-4c79-b6e3-f72ce40eddfc",{"tbody":1490,"thead":1498,"fieldtype":1159},[1491],{"_uid":1492,"body":1493,"component":1152},"7d568f87-0614-48fc-a6ea-f77aaa98f451",[1494,1496],{"_uid":1495,"value":12,"component":1149},"87f544eb-96c8-42b0-9e3f-930bca898d84",{"_uid":1497,"value":12,"component":1149},"f1a8823f-3fc0-43fc-86f1-23f3ecb7e356",[1499,1501],{"_uid":1500,"value":12,"component":1156},"75488c2f-051d-41ec-9534-d0d235bcac51",{"_uid":1502,"value":12,"component":1156},"723ff7a9-4523-4b41-8163-bd40de147967",{"type":15,"content":1504},[1505,1510,1515,1520],{"type":18,"attrs":1506,"content":1507},{"textAlign":34},[1508],{"text":1509,"type":22},"AUM\tOverlay service fee",{"type":18,"attrs":1511,"content":1512},{"textAlign":34},[1513],{"text":1514,"type":22},"First $10 million\t0.1%",{"type":18,"attrs":1516,"content":1517},{"textAlign":34},[1518],{"text":1519,"type":22},"Next $15 million\t0.08%",{"type":18,"attrs":1521,"content":1522},{"textAlign":34},[1523],{"text":1524,"type":22},"Over $25 million\t0.05%",{"_uid":1526,"data":1527,"component":1139},"a9331dad-28af-4120-bcda-398350b3bc18",{"type":15,"content":1528},[1529,1537,1545,1553,1562,1583],{"type":18,"attrs":1530,"content":1531},{"textAlign":34},[1532],{"text":1533,"type":22,"marks":1534},"Valic Financial Advisors’ costs depend on the advisory program.",[1535],{"type":129,"attrs":1536},{"color":771},{"type":18,"attrs":1538,"content":1539},{"textAlign":34},[1540],{"text":1541,"type":22,"marks":1542},"GPS is the most affordable option, while GPA adds extra charges from the underlying VALIC annuity contract. MIP and MIP UMA include tiered program fees and strategist and platform-related costs, while MIP UMA has the highest overall expenses.",[1543],{"type":129,"attrs":1544},{"color":771},{"type":18,"attrs":1546,"content":1547},{"textAlign":34},[1548],{"text":1549,"type":22,"marks":1550},"Across all programs, clients pay underlying fund expenses and certain account-level fees. As fees vary widely, understanding the specific program’s pricing is essential before enrolling.",[1551],{"type":129,"attrs":1552},{"color":771},{"type":773,"attrs":1554,"content":1555},{"level":775,"textAlign":34},[1556],{"text":1557,"type":22,"marks":1558},"What is the minimum account size for Valic Financial Advisors?",[1559,1561],{"type":129,"attrs":1560},{"color":771},{"type":38},{"type":18,"attrs":1563,"content":1564},{"textAlign":34},[1565,1570,1578],{"text":1566,"type":22,"marks":1567},"Valic Financial Advisors does not have a single minimum account size. Depending on the advisory program, minimum investment requirements range from no minimum balance to a ",[1568],{"type":129,"attrs":1569},{"color":771},{"text":1571,"type":22,"marks":1572},"$25,000",[1573,1575,1577],{"type":31,"attrs":1574},{"href":1209,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1576},{"color":1001},{"type":1003},{"text":1579,"type":22,"marks":1580}," initial annuity premium, while other programs require between $5,000 and $250,000 based on the selected strategist or model manager.",[1581],{"type":129,"attrs":1582},{"color":771},{"type":18,"attrs":1584,"content":1585},{"textAlign":34},[1586],{"text":1587,"type":22,"marks":1588},"The table below outlines the minimum opening balance requirements for each advisory option:",[1589],{"type":129,"attrs":1590},{"color":771},{"_uid":1592,"caption":12,"content":1593,"component":1160,"show_search":543,"paste_content":1607,"number_of_rows":1183,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"e45eec23-3874-4dd1-a038-11112c14f945",{"tbody":1594,"thead":1602,"fieldtype":1159},[1595],{"_uid":1596,"body":1597,"component":1152},"31f8843c-e421-409b-952d-ea5c93e5f4fd",[1598,1600],{"_uid":1599,"value":12,"component":1149},"089ae334-5dbf-4f1c-8c03-b5697b9f956b",{"_uid":1601,"value":12,"component":1149},"38a568eb-e114-4039-a6ef-9c8d00d70d92",[1603,1605],{"_uid":1604,"value":12,"component":1156},"88184ec5-5d82-47b2-bb6e-1e1a25f52ad9",{"_uid":1606,"value":12,"component":1156},"06af1935-5df3-4a36-9433-13aa0fdf86c6",{"type":15,"content":1608},[1609,1614,1619,1624,1629],{"type":18,"attrs":1610,"content":1611},{"textAlign":34},[1612],{"text":1613,"type":22},"Advisory program\tMinimum opening balance",{"type":18,"attrs":1615,"content":1616},{"textAlign":34},[1617],{"text":1618,"type":22},"Guided Portfolio Services\tNo minimum balance.",{"type":18,"attrs":1620,"content":1621},{"textAlign":34},[1622],{"text":1623,"type":22},"Guided Portfolio Advantage\t$25,000 minimum initial premium for PD Freedom Advisor annuity.",{"type":18,"attrs":1625,"content":1626},{"textAlign":34},[1627],{"text":1628,"type":22},"Managed Investment Program\tStrategist portfolios need $5,000–$250,000, depending on the model.",{"type":18,"attrs":1630,"content":1631},{"textAlign":34},[1632],{"text":1633,"type":22},"MIP Unified Managed Account Program\tEach model manager sets its own investment 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oversight, either through retirement plan or annuity-based investment programs or portfolios managed by strategists.",[1661],{"type":129,"attrs":1662},{"color":771},{"type":773,"attrs":1664,"content":1665},{"level":894,"textAlign":34},[1666],{"text":1667,"type":22,"marks":1668},"Valic Financial Advisors is suitable for:",[1669],{"type":129,"attrs":1670},{"color":771},{"type":800,"content":1672},[1673,1689,1705,1721,1737],{"type":803,"content":1674},[1675],{"type":18,"attrs":1676,"content":1677},{"textAlign":34},[1678,1684],{"text":1679,"type":22,"marks":1680},"Individuals in employer-sponsored retirement plans: ",[1681,1683],{"type":129,"attrs":1682},{"color":771},{"type":38},{"text":1685,"type":22,"marks":1686},"GPS is ideal for clients in eligible employer-sponsored retirement plans who want advice or automated portfolio management without a minimum 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rebalancing and model-driven management.",[1719],{"type":129,"attrs":1720},{"color":771},{"type":803,"content":1722},[1723],{"type":18,"attrs":1724,"content":1725},{"textAlign":34},[1726,1732],{"text":1727,"type":22,"marks":1728},"Clients who value ongoing access to financial professionals: ",[1729,1731],{"type":129,"attrs":1730},{"color":771},{"type":38},{"text":1733,"type":22,"marks":1734},"All programs provide access to VFA’s IARs, who help clients establish their profiles, update their financial goals and review any changes in circumstances.",[1735],{"type":129,"attrs":1736},{"color":771},{"type":803,"content":1738},[1739],{"type":18,"attrs":1740,"content":1741},{"textAlign":34},[1742,1748],{"text":1743,"type":22,"marks":1744},"Long-term investors wanting structured oversight: ",[1745,1747],{"type":129,"attrs":1746},{"color":771},{"type":38},{"text":1749,"type":22,"marks":1750},"The wrap fee programs are designed for goal-focused investors, particularly those prioritizing retirement planning, consistent monitoring and professional portfolio oversight.",[1751],{"type":129,"attrs":1752},{"color":771},{"type":773,"attrs":1754,"content":1755},{"level":894,"textAlign":34},[1756],{"text":1757,"type":22,"marks":1758},"Valic Financial Advisors may not be suitable for:",[1759],{"type":129,"attrs":1760},{"color":771},{"type":800,"content":1762},[1763,1779,1795,1811],{"type":803,"content":1764},[1765],{"type":18,"attrs":1766,"content":1767},{"textAlign":34},[1768,1774],{"text":1769,"type":22,"marks":1770},"Investors seeking low-cost solutions: ",[1771,1773],{"type":129,"attrs":1772},{"color":771},{"type":38},{"text":1775,"type":22,"marks":1776},"Programs such as GPA, MIP and MIP UMA include multiple fees, which may not appeal to cost-sensitive investors.",[1777],{"type":129,"attrs":1778},{"color":771},{"type":803,"content":1780},[1781],{"type":18,"attrs":1782,"content":1783},{"textAlign":34},[1784,1790],{"text":1785,"type":22,"marks":1786},"Clients who want highly 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strategist-based accounts: ",[1819,1821],{"type":129,"attrs":1820},{"color":771},{"type":38},{"text":1823,"type":22,"marks":1824},"MIP and MIP UMA rely on strategist or sleeve-level minimums, often starting at $5,000 per model and rising depending on the strategist, making these programs less suitable for those with smaller portfolios.",[1825],{"type":129,"attrs":1826},{"color":771},{"type":773,"attrs":1828,"content":1829},{"level":775,"textAlign":34},[1830],{"text":1831,"type":22,"marks":1832},"Valic Financial Advisors: Is it secure?",[1833,1835],{"type":129,"attrs":1834},{"color":771},{"type":38},{"type":18,"attrs":1837,"content":1838},{"textAlign":34},[1839],{"text":1840,"type":22,"marks":1841},"Yes, VFA is a secure platform for managing retirement and investment accounts.",[1842],{"type":129,"attrs":1843},{"color":771},{"type":18,"attrs":1845,"content":1846},{"textAlign":34},[1847],{"text":1848,"type":22,"marks":1849},"As part of Corebridge Financial, the firm uses encrypted website access to protect sensitive information, and all logins are monitored by industry-standard security systems designed to detect unusual or suspicious activity.",[1850],{"type":129,"attrs":1851},{"color":771},{"type":18,"attrs":1853,"content":1854},{"textAlign":34},[1855],{"text":1856,"type":22,"marks":1857},"Corebridge Financial also employs secure firewalls, anti-malware protection and automatic logout after periods of inactivity to reduce unauthorized access risks.",[1858],{"type":129,"attrs":1859},{"color":771},{"type":18,"attrs":1861,"content":1862},{"textAlign":34},[1863],{"text":1864,"type":22,"marks":1865},"Client accounts are supported by Corebridge’s broader information security program, which incorporates physical, technical and organizational safeguards to protect account data, applications and internal systems. ",[1866],{"type":129,"attrs":1867},{"color":771},{"type":18,"attrs":1869,"content":1870},{"textAlign":34},[1871],{"text":1872,"type":22,"marks":1873},"The 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advisory framework and offers a level of protection comparable to other major financial institutions.",[1898],{"type":129,"attrs":1899},{"color":771},{"type":773,"attrs":1901,"content":1902},{"level":775,"textAlign":34},[1903],{"text":1904,"type":22,"marks":1905},"Valic Financial Advisors: Customer service",[1906,1908],{"type":129,"attrs":1907},{"color":771},{"type":38},{"type":18,"attrs":1910,"content":1911},{"textAlign":34},[1912],{"text":1913,"type":22,"marks":1914},"Clients can get help through multiple channels, including phone support, online contact forms and assistance from an advisor. Corebridge also offers an online resource center with guidance for common account questions, retirement plan servicing and account maintenance.",[1915],{"type":129,"attrs":1916},{"color":771},{"type":18,"attrs":1918,"content":1919},{"textAlign":34},[1920],{"text":1921,"type":22,"marks":1922},"For personalized help, clients can contact their advisor or schedule a meeting. This works well for individuals who prefer speaking with a financial professional or need assistance with employer-sponsored retirement plans.",[1923],{"type":129,"attrs":1924},{"color":771},{"type":18,"attrs":1926,"content":1927},{"textAlign":34},[1928],{"text":1929,"type":22,"marks":1930},"However, the service model focuses on offering help during business hours rather than fully digital, on-demand options.",[1931],{"type":129,"attrs":1932},{"color":771},{"type":18,"attrs":1934,"content":1935},{"textAlign":34},[1936],{"text":1937,"type":22,"marks":1938},"Unlike some online-first advisory platforms, VFA doesn’t have features such as 24/7 live chat or app-based messaging. 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for.",{"name":2203,"created_at":2204,"published_at":2205,"updated_at":2206,"id":2207,"uuid":2208,"content":2209,"slug":2217,"full_slug":2218,"sort_by_date":34,"position":2170,"tag_list":2219,"is_startpage":543,"parent_id":2172,"meta_data":34,"group_id":2220,"first_published_at":2174,"release_id":34,"lang":730,"path":34,"alternates":2221,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":2210,"_uid":2161,"name":2203,"image":2211,"component":2166,"education":2214,"expertise":2215,"description":2216},"Senior Content Writer",{"id":2212,"alt":12,"name":12,"focus":12,"title":12,"filename":2213,"copyright":12,"fieldtype":2140,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",[],"024abff2-15a6-4099-8ba2-25c01abe42e8",[],"app-article",[],[],"This review explains how Valic Financial Advisors works, including its advisory programs, fees, minimum requirements, and who the service is best suited for.",[],"valic-financial-advisors-review","discover/financial-advice/valic-financial-advisors-review",-5060,[],365590167,"93885d40-0ca6-4d71-9244-548d63715c0a","2025-12-17T14:36:21.264Z",[],{"left":727,"top":727,"width":2236,"height":2236,"rotate":727,"vFlip":543,"hFlip":543,"body":2237},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[2239,2242,2243],{"title":2240,"exact":558,"href":2241},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":2244,"disabled":558},"/discover/financial-advice/valic-financial-advisors-review",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":2246},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777798300771]