Advice reinvented

Vanguard Personal Advisor Services®

Nearly 40 years ago, we changed the investment world by introducing low-cost investing and helped investors keep more of their money. Now we've reinvented financial advice to help you earn more and pay less by combining the personal attention of an advisor with powerful technology.

Partnering with a Vanguard advisor can help you earn more over time

At the center of our new advice service is a partnership with a Vanguard advisor. A Vanguard advisor will work closely with you to develop a customized, goals-based financial plan according to your unique situation—and then manage your portfolio to 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, an advisor can help. Our research shows that an advisor can help the average investor earn more over time in net portfolio returns.*

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. This time-tested financial planning practice can help an investor potentially add about 0.45% annually in net portfolio returns.

Rebalance your portfolio. An advisor can help an investor maintain the right mix of stock and bond funds by periodically rebalancing the portfolio. Our research has shown that rebalancing can potentially add about 0.35% in net portfolio returns over time.

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. This kind of investing guidance can potentially add about 1.50% in net portfolio returns over time.

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. These tax-planning strategies can potentially add up to 1.45% in net portfolio returns over time.

Here's what a financial advisor can do to help an investor potentially earn up to 3% more.

Build your portfolio with low-cost funds.

Rebalance your portfolio.

Serve as your investing coach.

Minimize your taxes.

Vanguard Personal Advisor Services is specifically designed to leverage these disciplined investing principles. And all of our financial advisors are trained to follow these practices to help you earn more over time and reach your goals.
*Vanguard research shows that an advisor can help an investor potentially earn more in net portfolio returns over time by following the Vanguard Advisor's Alpha™ principles discussed in detail in our recent research paper. This research isn't an exact science. The potential earnings of up to 3% more aren't added over a specific time frame but can vary each year and according to your situation. The added value can materialize quickly and dramatically—especially during times of a rapidly rising or falling market, when you may be tempted to abandon your well-thought-out investment plan—or it may be added slowly. Source: Francis M. Kinniry Jr., Colleen M. Jaconetti, Michael A. DiJoseph, and Yan Zilbering, 2014. Putting a value on your value: Quantifying Vanguard Advisor's Alpha. Valley Forge, Pa.: The Vanguard Group.

Reinventing how a financial advisor works for you

Our advisors don't receive extra compensation for their recommendations or for selling you investment products and services. They're all professionally trained financial advisors. They listen to what you want and develop a personalized plan based on your unique financial situation.

You'll find Vanguard advisors are dedicated to helping you reach your goals. Our advisors partner with you to manage your portfolio on an ongoing basis—allowing you to be as involved as you want to be—using our time-proven investment methodology. 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.

Here's how it works

A Vanguard advisor will:

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.


"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.”*


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


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.