Guide to understanding your annual costs report
Starting in January 2027, your 2026 annual costs report will be enhanced to offer a clearer picture of what you pay to invest
We believe transparency is a good thing
Informed clients make better decisions, which is why your 2026 annual cost report will show fund costs in dollars (alongside the percentages) for many common investments, in addition to the fees you pay to us for financial planning. This enhanced disclosure reflects new regulatory requirements and is now an industry-wide expectation to improve clarity and transparency.
With added transparency, you may discover that your current mix of investments is exactly right — or that now is the right time to explore whether alternative options could better meet your goals.
These enhancements to the annual cost report create opportunities for meaningful conversations about costs, value, and the best path forward.
Questions? Speak with a financial advisor. Our advisors are ready to discuss your specific situation and ensure your investment strategy still makes sense for you.
On this page
- What's new in your 2026 annual costs report
- Guide to understanding your annual costs report
- Review your financial plan and portfolio with your financial advisor
- Your financial advisor provides value beyond investment returns
- Frequently asked questions
- Investment term glossary
- More about the regulatory changes
What's new in your 2026 annual costs report
You'll see three key regulatory enhancements on your 2026 annual cost report that provide clearer and more complete cost information:
These annual Cost report enhancements are designed to improve transparency by displaying and totalling the total cost of owning many common investments, rather than only the fees you pay to Edward Jones (which is what you see on these reports today).
"Your Annual Costs and Our Compensation" report preview
This preview of new or updated sections in "Your Annual Costs and Our Compensation" report illustrate the required enhancements you can expect to see on your 2026 report. Your Edward Jones financial advisor is your partner in understanding these costs and the value you receive. If you have questions, please contact your advisor.
Review your financial plan and portfolio with your financial advisor
Our job is to ensure every dollar you invest works as hard as possible for your goals. We'll help you figure out what's right for you.
Your financial advisor can help you with:
- Finanicial management: Saving for emergencies, buying a home, and using credit or repaying debt.
- Asset management: Your preferred investment approach. For example, do you prefer active or passive asset management?
- Tax planning: Strategies to help manage your current and future income tax obligations.
- Retirement planning: Your desired lifestyle, income needs, investment options, and life expectancy considerations.
- Risk management: Strategies to help protect against financial setbacks and unexpected events
- Estate planning: Defining your legacy and helping ensure your wishes are carried out as you intend them.
- Business planning: The impact of business ownership on your broader financial plan.
We welcome the updated cost transparency regulations as an opportunity to further align our work with your objectives and demonstrate the ongoing value of our partnership. Speak to your financial advisor.
Your financial advisor provides value beyond investment returns
Regardless of which investments you hold, your financial advisor provides comprehensive advice and value:
- Personalized financial planning for life transitions
- Behavioural coaching to help you stay invested during market volatility
- Tax-efficient investment strategies
- Estate and legacy planning guidance, and more.
Speak to your financial advisor to see how clearer cost reporting supports better financial decisions. Edward Jones Canada was ranked the #1 Wealth Management Firm for Advised Investor Satisfaction among 16 advice-based firms* and #1 for product and service offerings in the JD Power 2026 Canada Investor Satisfaction Study℠—recognition that reflects our transparent approach and how we demonstrate our value and commitment to client trust.
*Edward Jones received the highest score in the advised segment in the JD Power 2026 Canada Investor Satisfaction Study, which measures the satisfaction of investors who may engage with any financial advisor(s). For JD Power award information, visit jdpower.com/awards.
This example is for illustrative purposes only and does not reflect your actual account or costs. Actual figures will vary based on your investments and activity. Please refer to your official report and consult your Edward Jones financial advisor for details specific to your account.
Frequently asked questions
If you have questions about your enhanced annual cost report and our compensation or would like more information about the regulatory requirements, explore the FAQs or speak with a financial advisor.
Investment term glossary
| Term | Definition |
| Compensation from Third Parties | Amount Edward Jones has received from other companies to provide ongoing services on your account. |
| Fund Expense Ratio (FER) | Total annual cost of a fund, combining Management Expense Ratio (MER) and Trading Expense Ratio (TER). Shown as both percentage and dollar amount. |
| Management Expense Ratio (MER) | Fund manager's annual fee for fund management, marketing, and operations. |
| Operating Costs | Amounts you paid for general administration of your account, including fees and charges on a one-time, monthly, or annual basis. |
| Total Cost of Investing | Complete annual investment costs: transaction costs, operating costs, direct fund charges plus fund expenses. |
| Trading Expense Ratio (TER) | Fund manager's costs for buying and selling securities within the fund (such as exchange or clearing fees). |
| Trailing Commissions | Ongoing payments from fund companies to Edward Jones for services and advice your Financial Advisor provides. |
| Transaction Costs | Costs associated with buying and selling securities in your account, such as fixed-income securities, equities, and certain types of mutual funds. |
More about these regulatory changes
Under new regulatory requirements called "Total Cost Reporting", investment firms and banks across Canada are now required to show you a more complete picture of investment costs — including expenses built into many common investment funds. These changes are guided by the Canadian Securities Administrators (CSA) and Canadian Investment Regulatory Organization (CIRO).
These aren't new costs — they've always been part of your investments. What's changed is the transparency of reporting, giving us more information to work with in planning your financial future.
At Edward Jones, we believe transparency goes beyond showing you the numbers. It includes having honest conversations that help you make informed decisions aligned with your life goals.
Edward Jones, its employees and financial advisors do not provide tax or legal advice. We strongly recommend that clients consult with a qualified tax professional to determine the tax treatment of costs and whether they may be deductible.