Personalized advice for our investor-owners
As an investor, you're the architect of your world. But at Vanguard, you're more than just an investor—you're an owner. And ownership means we're building that world alongside you. When you need personalized advice to track your progress and make sure you're doing all you can to succeed in your goals—we've got you covered.
Vanguard Digital Advisor®
For those who prefer the convenience of a robo-advisor, Vanguard Digital Advisor will build a customized portfolio and continue to optimize your investments over time. You get the benefit of Vanguard’s time-tested philosophy delivered on a modern, all-digital platform that can evolve with your needs.
Digital Advisor offers:
- 100% online money management that’s simple, yet sophisticated.
- Recommendations based on your profile and retirement and other financial goals.
- Guidance that adapts to your evolving needs—and adjusts as you add new goals.
- An easy and accessible platform so you can check in anytime.
Vanguard Personal Advisor Services®
If you'd like to connect with an advisor for guidance on your investments and overall financial picture, consider Vanguard Personal Advisor Services. You get an ongoing partnership to help you navigate complexity, assess your risk tolerance, make smart financial decisions, prepare for retirement, and more.
Vanguard Personal Advisor offers:
- A personalized plan and ongoing access to our advisors who you can rely on to put your interests first.
- Goals-based planning that's based on our decades of research and time-tested strategies.
- Support for complex financial needs: from education savings to living in retirement and more.
- Tax-loss harvesting for the potential to boost your portfolio's tax efficiency.1
Want to talk to an investment professional?
Call us at 800-742-9998800-742-9998
Monday through Friday, 8 a.m to 8 p.m., Eastern time.
YOUR ADVOCATE FOR LIFE
Whichever service you choose, we'll help you build a personalized plan, provide support, and guide you toward your goals.
Choose what works best for you
| Cost | Vanguard Digital Advisor | Personal Advisor Services |
|---|---|---|
| Minimum to qualify |
$3,0002 | $50,000 |
| Cost (per $1,000) | No more than $2.003 | $3.004 |
| Investing approach | ||
Portfolio of core ETFs  |
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| Optional ESG-based portfolio* |
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| Customized portfolio, including active investing options | |
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| Automated tax-loss harvesting |
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| Tax-efficient investing | |
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| Desired experience | ||
| Portfolio tracking | |
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| Online experience | |
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| Access to an advisor | |
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| Support for complex financial planning | |
|
Cost
$3,0002
$50,000
No more than $2.003
$3.004
Investing approach
Desired experience
Interested in learning more?
Connect with us
Sign up to hear more about either of our advice offerings
We may also send you other Vanguard information you might be interested in. You can opt out at any time.
Connect with us
Sign up to hear more about either of our advice offerings
We may also send you other Vanguard information you might be interested in. You can opt out at any time.
All investing is subject to risk, including the possible loss of the money you invest.
Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.
Vanguard Personal Advisor Services and Vanguard Digital Advisor's services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of The Vanguard Group, Inc. ("VGI"), and an affiliate of Vanguard Marketing Corporation ("VMC"). Neither VAI nor its affiliates guarantee profits or protection from losses.
ESG funds are subject to ESG investment risk, which is the chance that the stocks or bonds screened by the index provider or advisor, as applicable, for ESG criteria generally will underperform the market as a whole or, in the aggregate, will trail returns of other funds screened for ESG criteria. The index provider or advisor’s assessment of a company, based on the company’s level of involvement in a particular industry or their own ESG criteria, may differ from that of other funds or an investor’s assessment of such company. As a result, the companies deemed eligible by the index provider or advisor may not reflect the beliefs and values of any particular investor and may not exhibit positive or favorable ESG characteristics. The evaluation of companies for ESG screening or integration is dependent on the timely and accurate reporting of ESG data by the companies. Successful application of the screens will depend on the index provider or advisor's proper identification and analysis of ESG data. The advisor may not be successful in assessing and identifying companies that have or will have a positive impact or support a given position. In some circumstances, companies could ultimately have a negative impact, or no impact.
1An advisor will determine if tax-loss harvesting is appropriate for your specific situation.
2Enrollments in Vanguard Digital Advisor require at least $3,000 in each Vanguard Brokerage Account. For each account you wish to enroll, the entire balance must be in certain allowable investment types (based on eligibility screening by Digital Advisor at the time of enrollment) and/or the brokerage account's settlement fund.
3Vanguard Digital Advisor is an all-digital service. Digital Advisor charges a 0.20% annual gross advisory fee to manage Vanguard Brokerage Accounts for a typical Digital Advisor managed portfolio. The gross advisory fee is reduced by a credit of the actual revenue VGI or its affiliates retain from investments in each enrolled account, resulting in a net advisory fee that will be the actual fee collected from your account. A typical Vanguard ETF® portfolio will be credited approximately 0.05%, resulting in a net advisory fee of approximately 0.15%. The actual net fee amount will vary based on your unique asset allocation, account type, and specific holdings in each enrolled account. For more information, please review Form CRS and the Vanguard Digital Advisor Brochure.
4Vanguard Personal Advisor Services charges a 0.30% annual advisory fee. Note that this fee doesn't include investment expense ratios, but we generally recommend using low-cost Vanguard funds to build your portfolio. For more information on the services, see the Vanguard Personal Advisor Services Brochure.
*To maintain diversification, this portfolio option will also include non-ESG investments to achieve your target asset allocation for international and domestic bonds.
The services will typically invest your assets in a portfolio of Vanguard ETFs®, all of which are commission-free through a Vanguard Brokerage Account. Vanguard Brokerage Accounts are offered through and maintained by VMC, a registered broker-dealer and member FINRA and SIPC. If you decide to manage your investments on your own, you can buy and sell Vanguard ETF Shares through Vanguard Brokerage Services® or another broker (which may charge commissions).
You could lose money by investing in Vanguard Federal Money Market Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Visit vanguard.com to obtain a Vanguard mutual fund or Vanguard ETF prospectus or, if available, a summary prospectus, which contains investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing.