Advice for real life

Vanguard Personal Advisor Services^®

When it comes to investing, your natural reactions can get in the way. It's human nature to overthink, overreact, and, at times, be overwhelmed. With Vanguard Personal Advisor Services, an advisor serves as an emotional circuit breaker so you don't abandon a well-thought-out plan.

Partnering with a Vanguard advisor can help you reach your goals

Whether you're saving for retirement, a college education, a home, or you're about to retire or already retired, your partnership with a Vanguard advisor is at the heart of the service. An advisor will work closely with you to craft a personalized, goals-based financial plan according to your unique situation, then manage your portfolio to help you reach your goals.

Recent Vanguard research shows that an advisor who provides professional financial planning, coaching, and portfolio management services can add meaningful value compared to the average investor experience.*

Build your portfolio with low-cost funds. Our research suggests that lower-cost investments have tended to outperform higher-cost alternatives. That's why an advisor will build a portfolio with low-cost funds.

Serve as your investing coach. During times when the market rises or falls, it's easy to be tempted to abandon a well-thought-out plan. An advisor acts as an investing coach during these times to help an investor stick to the plan and stay on course.

Minimize your taxes. The less you pay in taxes, the more money you keep. According to our research, an advisor can help minimize an investor's tax burden in two ways: first, by efficiently allocating assets between taxable and tax-advantaged accounts; and second, when the time comes to withdraw money, such as for retirement, by developing a tax-smart distribution plan.

Here's how an advisor adds value

Build your portfolio with low-cost funds.

Serve as your investing coach.

Minimize your taxes.

Vanguard Personal Advisor Services is specifically designed to leverage these disciplined investing principles.

Source: Donald G. Bennyhoff and Francis M. Kinniry Jr., 2016. Vanguard Advisor's Alpha^®. Valley Forge, Pa.: The Vanguard Group. vanguard.com/advisorvalue

Vanguard advisors give you real-life investing advice

Your financial goals are about real-life needs. They're about taking care of family, being comfortable, and feeling secure. You'll find Vanguard advisors are dedicated to helping you satisfy those needs. They listen to what you want and partner with you to manage your portfolio on an ongoing basis—allowing you to be as involved as you want to be. And they're there for you when life events affect your plans and you need to make updates.

See how Vanguard Personal Advisor Services can help you get better portfolio performance at a low cost when you partner with a Vanguard advisor.

Keep $28,752 more working for you

Professional investment advice from a Vanguard advisor helps give you the best chance of investment success at a low cost. You can take advantage of this service for only 0.30% of your assets under management annually. That's less than one-third the industry average of 1.02%.**

For example, with a $250,000 investment, our low annual advisory fee could mean you'd keep $1,800 more the first year alone working for you compared with the industry average. Over a 10-year period, with compounding, that puts $28,752 more in your portfolio working for you.

**Source: PriceMetrix, 2014. For a copy of the complete report, go to pricemetrix.com. Advisor fees may differ depending on the type and nature of the services offered.

Keep $96,798 more working for you

For example, with a $250,000 investment, our low annual advisory fee could mean you'd keep $1,800 more the first year alone working for you compared with the industry average. Over a 20-year period, with compounding, that puts $96,798 more in your portfolio working for you.

**Source: PriceMetrix, 2014. For a copy of the complete report, go to pricemetrix.com. Advisor fees may differ depending on the type and nature of the services offered.

Keep $244,504 more working for you

For example, with a $250,000 investment, our low annual advisory fee could mean you'd keep $1,800 more the first year alone working for you compared with the industry average. Over a 30-year period, with compounding, that puts $244,504 more in your portfolio working for you.

**Source: PriceMetrix, 2014. For a copy of the complete report, go to pricemetrix.com. Advisor fees may differ depending on the type and nature of the services offered.

10 Years

20 Years

30 Years

This example is hypothetical and does not represent an investment in any particular fund. It assumes an average annual return of 6%, an annual fee of 0.30% for Vanguard Personal Advisor Services, and the industry average advisor fee of 1.02%.

Keep more of your money with our low costs

Vanguard is founded on the principle that investment companies should make money for their clients, not from their clients. So when we say Vanguard is all about keeping our costs low, it's not just talk. It's embedded in our DNA. It's one of the many reasons we have over 20 million clients. And just as Vanguard is known for keeping costs low, the cost for Vanguard Personal Advisor Services is affordable as well.

Here's how it works

A Vanguard advisor will:

Get to know you, your goals, and your unique financial situation.

Partner with you to create a custom-tailored financial plan.

Put your plan into action and manage your portfolio, allowing you to be as involved as you want to be.

Work with you to keep track of your plan's progress

Rebalance your portfolio as necessary and partner with you to revise your plan when important changes in your life occur.

Get started today

Simply select the Get started online button. Or, call 800-992-5541 to schedule a consultation to learn what partnering with a Vanguard financial advisor could mean for your portfolio. To take advantage of Vanguard Personal Advisor Services, a $50,000 minimum is required.

There's no obligation.

GET STARTED ONLINE

"In some ways, the future has already arrived...Vanguard, in its Personal Advisor Services offering, recently began providing investment advice and financial planning for just 0.3 percent annual fee.”*

NEW YORK TIMES, APRIL 12, 2014

"Its rock-bottom price and use of both technology and financial professionals to deliver recommendations to investors is drawing assets and even some acclaim."

INVESTMENT NEWS, APRIL 16, 2014

Call 800-992-5541 today or GET STARTED ONLINE

*Lower fees apply to assets under management of $5 million or more. Please call for details.

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

This website is operated and maintained by Vanguard Advisers, Inc. (VAI). Advice services are provided by VAI, or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company.