You'll pay 0.30% of assets under management. That's $3 in fees for every $1,000 in your portfolio, which covers access to a financial advisor, your customized goals-based financial plan, and ongoing investment advice. (Note that this fee doesn't include investment expense ratios, but we generally recommend using low-cost Vanguard funds to build your portfolio.).
Finally. Financial advice powered by relationships, not commissions.
We all have questions when it comes to money. From how to maximize your retirement income to knowing the appropriate investment strategy based on your goals—it can be a lot to think about. Having a trusted advisor by your side can help you feel confident about your future.See product details
Talk with an investment professional.
Monday through Friday
8 a.m. to 8 p.m., Eastern time
Our advisors value true partnerships. They’ll work closely with you to create a personalized plan to help you reach your goals and are available to connect whenever you have questions.
We don’t work on commissions
Our advisors are salaried and don’t earn commissions. They have no financial incentives to recommend certain products and will create a plan that's goal-driven, not market-driven. And they’ll use the low-cost funds and investment strategies Vanguard is known for.
Lower than the industry average
The annual cost for Vanguard Personal Advisor Services is just 0.30% of the assets we manage for you. The minimum amount you'll need to have an advisor manage is $50,000.* (If you have less than that, consider Vanguard Digital Advisor™.) If we manage a substantial amount of assets for you, the cost of the service gets even lower. The yearly fee is broken into 4 payments, billed quarterly.
Vanguard annual fee
Industry average: 1.01% annual fee1
Annual fee schedule
|0.30%||Up to $5 million|
|0.20%||Above $5 million to $10 million|
|0.10%||Above $10 million to $25 million|
|0.05%||$25 million and above|
First, we talk
We get to know you, your goals, and your dreams. We know that there's no one-size-fits-all approach to financial planning. The questions we ask help us see your bigger financial picture and craft a plan that’s truly unique to you, not the market.
Next, we plan
Our advisors use their best thinking, innovative technology, and our time-tested investment philosophy to create your comprehensive financial plan. We share it with you, walk you through it, and answer all your questions before you commit to anything. When you’re ready, we put your plan into action.
Our eyes on your goals
We keep track of your progress with ongoing maintenance and quarterly rebalancing as needed to help make sure you’re on course to meet your goals. We’ll partner with you to revise your plan when needed.
Be prepared for all market conditions
We plan ahead, stress-testing your portfolio against thousands of possible scenarios. You'll get a detailed analysis, evaluating multiple factors that can impact your cash flow—plus one-on-one support from your advisor when you need to talk things through.
Frequently asked questions
Frequently asked questions about Vanguard advice
You'll need a minimum of $50,000 in managed assets, and we'll waive any fund minimums for you. The following types of Vanguard accounts count toward the minimum:
- Individual accounts (mutual fund or brokerage).
- Trust accounts.
- Eligible employer-sponsored plan accounts.*
We can't manage the following types of accounts (and they don't count toward the minimum), but we can still include them in your plan and give you guidance that you can implement yourself:
- Ineligible 401(k) and 403(b) accounts.
- i401(k) accounts.
- 529 accounts.
- UGMA/UTMA accounts.
- Other investment accounts you hold outside of Vanguard.
Vanguard is one of the largest investment companies in the world with decades of experience and global recognition. Our highly respected investment managers, researchers, strategists, and economists have developed a deep expertise in all areas of investing. You'll get access to the best thinking of these Vanguard experts along with a customized plan based on your personal goals that applies our methodologies to your situation. On top of that, our financial advisors are ready to help when you need it, by phone, email, or videochat.
Vanguard Personal Advisor Services might be a good fit for you if:
- You have questions about investing.
- You want a smart strategy to save for things like: funding your retirement, saving for college tuition, buying a home, or starting a business.
- You don't enjoy making investment decisions or you'd rather spend your time doing other things. (You want someone else to keep an eye on your portfolio for you.)
- It's tough to stick to a long-term plan or you often react to market volatility.
- You have to make complex financial decisions (Social Security, health care funding, or withdrawing retirement savings) and want help making these decisions.
- You believe in the power of diversification, low costs, and a long-term view.
If you're looking for an advisor who will identify "hot" investment trends and actively trade to beat the market, Vanguard Personal Advisor Services is NOT the right fit for you.
Focusing on investors' best interests is what Vanguard was built on. We were founded on the mission to take a stand for investors to help give them the best possible chance for success. Learn more about our investment philosophy and company history
Vanguard Personal Advisor Services is held to fiduciary standards under applicable regulations. (Meaning our advisors are required to act in your best interests at all times.) Also, our advisors don't receive commissions.
We've always believed that successful investing can be simpler than many people think, but decades of experience have taught us that not everyone is as passionate about investing as we are—and that's okay.
For people who aren't as interested in creating and monitoring an in-depth financial plan (or delving into the nuances of asset allocation, rebalancing, taxes, and goal prioritization), we're here to help. We also believe that talking to an advisor can be helpful if things get a bit stormy, whether it's in the market or your personal life.
First, you'll fill us in on some information (things like your needs and goals, including a timeline for each, and information on your non-Vanguard assets). You can do this online or over the phone. Then you'll set up a time to speak to an advisor. The advisor will get to know you, answer any questions you have, and make sure we have everything we need to build your customized financial plan.
Once your plan is created (within a few weeks), you'll meet with an advisor again to go through it. At that time, you can decide whether the plan and the service are a good fit for you—with no obligation.
You can get started online or by phone. Be ready to tell us about your investment objectives for funding your retirement, saving for college, paying off debt, buying a home, or other goals, and a timeline for each one. We'll also need an estimate of your income and spending needs, as well as information on any non-Vanguard assets or income (including an approximation of your expected Social Security benefits). Then you'll schedule a time to meet with an advisor and you're on your way!
See what Vanguard Personal Advisor Services can do for you.
Want to stay informed?
Sign up for our monthly newsletter.
Thank you. We’ll be in touch soon.
We may also send you other Vanguard information you might be interested in. You can opt out at any time.
Your goals are our goals
Our unique, client-owned structure keeps us focused on investor needs first.