Compare Investment Advice

You deserve investing advice from a true partner

Vanguard advisory services are here to help at every step—from your first investment through retirement.

Not sure which investment advice service is right for you? Try our advice guide.

Personalized advice for our investor-owners

At Vanguard, you're more than just an investor—you're an owner.* That means we have no outside owners, so our interests are uniquely aligned with yours. We work for you and your financial goals. When you need personalized advice to track your progress and help you succeed—we have you covered.

Compare our advice services

Sophisticated robo-investing

Vanguard Digital Advisor®

$3,0002 minimum to qualify.
Annual advisory fee: Approximately $15 per $10,000 invested.3

Our robo-advisor gives you:

  • Automated investing with ETF-based portfolios.
  • Guidance on saving for retirement.
  • Options to add custom goals to your plan.
  • Debt strategies to pay off debt faster.
  • No advisory fees for the first 90 days.1
Blend of advisor and technology

Vanguard Personal Advisor™

$50,000 minimum to qualify.
Annual advisory fee: Approximately $30 per $10,000 invested.3

This hybrid service offers you:

  • Access to professional financial advisors.
  • Ongoing personal financial planning and automated investing options.
  • Support for tax strategies, withdrawals, debt management, and other planning topics.

 

Call us at 877-665-8495877-665-8495

Monday through Friday, 8 a.m. to 8 p.m., Eastern time

A dedicated partner

Vanguard Personal Advisor Select™

$500,000 minimum to qualify.
Annual advisory fee: No more than $30 per $10,000 invested.

With this option, you'll experience:

  • Custom investment and financial planning strategies.
  • A Certified Financial Planner™ (CFP®) who'll focus solely on your best interests.
  • Portfolio stress-testing against thousands of scenarios.
  • A personalized plan based on 30+ data points specific to you.

Call us at 877-665-8498877-665-8498

Monday through Friday, 8 a.m. to 8 p.m., Eastern time

A team of specialists

Vanguard Personal Advisor Wealth Management™

$5M+ minimum to qualify.
Annual advisory fee: No more than $30 per $10,000 invested.

To support the complexity of your higher wealth, you'll receive:

  • All the benefits of Personal Advisor Select.
  • Advice from a dedicated CFP. 
  • Exclusive investing solutions, including private equity and closed funds.
  • Wealth and estate planning. 

Call us at 800-814-6203800-814-6203

Monday through Friday, 8 a.m. to 8 p.m., Eastern time

Sophisticated robo-investing

Vanguard Digital Advisor®

$3,0002 minimum to qualify.
Annual advisory fee: Approximately $15 per $10,000 invested.3

Our robo-advisor gives you:

  • Automated investing with ETF-based portfolios.
  • Guidance on saving for retirement.
  • Options to add custom goals to your plan.
  • Debt strategies to pay off debt faster.
  • No advisory fees for the first 90 days.1

Blend of advisor and technology

Vanguard Personal Advisor™

$50,000 minimum to qualify.
Annual advisory fee: Approximately $30 per $10,000 invested.3

This hybrid service offers you:

  • Access to professional financial advisors.
  • Ongoing personal financial planning and automated investing options.
  • Support for tax strategies, withdrawals, debt management, and other planning topics.

 

Call us at 877-665-8495877-665-8495

Monday through Friday, 8 a.m. to 8 p.m., Eastern time

A dedicated partner

Vanguard Personal Advisor Select™

$500,000 minimum to qualify.
Annual advisory fee: No more than $30 per $10,000 invested.

With this option, you'll experience:

  • Custom investment and financial planning strategies.
  • A Certified Financial Planner™ (CFP®) who'll focus solely on your best interests.
  • Portfolio stress-testing against thousands of scenarios.
  • A personalized plan based on 30+ data points specific to you.

Call us at 877-665-8498877-665-8498

Monday through Friday, 8 a.m. to 8 p.m., Eastern time

A team of specialists

Vanguard Personal Advisor Wealth Management™

$5M+ minimum to qualify.
Annual advisory fee: No more than $30 per $10,000 invested.

To support the complexity of your higher wealth, you'll receive:

  • All the benefits of Personal Advisor Select.
  • Advice from a dedicated CFP. 
  • Exclusive investing solutions, including private equity and closed funds.
  • Wealth and estate planning. 

Call us at 800-814-6203800-814-6203

Monday through Friday, 8 a.m. to 8 p.m., Eastern time

Compare advice options

Not sure what type of advice is right for you?

Frequently asked questions

The best option for you will depend on how much you intend to invest and the complexity of your financial management needs. Professional advice may be a good fit if you want a smart strategy, want help managing your investments, have questions about investing, and believe in the power of a long-term view.

Advice may not be a good fit if:

  • You have experience investing and want to take a more hands-on approach.
  • You have a basic saving need that you can manage on your own.
  • You don’t want to pay for investment management and monitoring services.

Our guide is a helpful resource for understanding which advisory service may be best for you. You also can contact one of our investment professionals with questions at 800-742-9998.

While we don't have 24/7 phone or chat services, you can access your account online anytime. Our investment professionals are available by phone to help with your questions Monday through Friday from 8 a.m. to 8 p.m. Eastern time. Depending on the advice service you select, you also may have a dedicated advisor to contact.

The minimum amount you'll need to enroll depends on the advisory service you select:

  • Digital Advisor: $3,000
  • Personal Advisor: $50,000
  • Personal Advisor Select: $500,000
  • Personal Advisor Wealth Management: $5,000,000

Your costs may vary based on the service you select and how much you invest. The fee calculator on each advisory service page is a great way to estimate your costs.

Vanguard financial advisors are fiduciaries and don't make commissions—so they make recommendations based on what's best for you and your goals.

Although we don't provide free investment advice, we do have helpful educational resources available to all investors at no cost.

Want to plan on your own?

 Check out our resources for self-directed investors.

 

*Vanguard is owned by its funds, which are owned by Vanguard’s fund shareholder clients. Our retail direct investment advisory strategies, in turn, are built on core investments in the Vanguard funds.

Vanguard’s advice services are provided by Vanguard Advisers, Inc., (“VAI”), a registered investment advisor, or by Vanguard National Trust Company (“VNTC”), a federally chartered, limited-purpose trust company.

The services provided to clients will vary based upon the service selected, including management, fees, eligibility, and access to an advisor. Find VAI’s Form CRS and each program’s advisory brochure here for an overview.

VAI and VNTC are subsidiaries of The Vanguard Group, Inc., and affiliates of Vanguard Marketing Corporation ("VMC"). Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses.

All investing is subject to risk, including the possible loss of the money you invest.

Private investments involve a high degree of risk and, therefore, should be undertaken only by prospective investors capable of evaluating and bearing the risks such an investment represents. Investors in private equity generally must meet certain minimum financial qualifications that may make it unsuitable for specific market participants. 

1The introductory waiver period for Vanguard Digital Advisor's net advisory fee begins when the first account's enrollment is complete and ends after the close of the first billing period (generally 90 days), which is specific to each client. If you enroll additional accounts at a later date, you can still take advantage of any remaining fee-waiver period. However, each additional account you enroll won't trigger a unique fee-waiver period but will instead be commingled with your first enrolled account. If you unenroll before your fee-waiver period ends, you won't owe an advisory fee. But if you choose to reenroll in Vanguard Digital Advisor during or after your fee-waiver period, you won't be eligible for a second fee waiver. This fee-waiver offer may be modified or discontinued anytime at the sole discretion of Vanguard Advisers, Inc. ("VAI"). Accounts in employer-sponsored retirement plans aren't eligible for this fee waiver.

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 charges Vanguard Brokerage Accounts an annual gross advisory fee of 0.20% for its all-index investment options and 0.25% for an active/index mix. Vanguard Personal Advisor charges Vanguard Brokerage Accounts an annual gross advisory fee of 0.35% for its all-index investment options and 0.40% for an active/index mix. These services reduce those fees by the amount of revenue that Vanguard (or a Vanguard affiliate) retains from your portfolio in order to calculate your net advisory fee. Note that this fee doesn't include investment expense ratios—such as fees paid to the funds' third-party managers, which aren't credited.

You should consult your plan fee disclosure notice for the applicable annual gross advisory fees that apply to your 401(k) account.

4Vanguard Personal Advisor Select and Vanguard Personal Advisor Wealth Management charge fees based on a tiered fee schedule (maximum 0.30%) calculated as an average advisory fee on all advised assets. Note that this fee doesn't include investment expense ratios.

5An advisor will determine if tax-loss harvesting is appropriate for your specific situation.

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.

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).

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.

We recommend that you consult a tax or financial advisor about your individual situation.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified Financial Planner™ in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.