How we can help: Your dedicated advisor can create a personalized plan for large purchases like buying a boat, a new car, a new house, and more while providing active support throughout the process. If you have multiple goals, your advisor can also help with balancing your investments.
You're probably doing a good job managing your investments
But how could a dedicated financial advisor help you achieve more? Answer 3 questions to learn how an advisor can add value to your situation. At the end of the guide, you'll have the option to request a call to ask more detailed questions about our advisory services.
Thanks for learning about us. Now, let’s get to know you.
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877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
Navigate taxes in retirement
No need to stress about taxes—our advisors can help pre-retirees and retirees age 59½ and older with these 3 key questions:
Your recommended strategy considers a variety of factors, including life expectancy outcomes, to help determine the optimal time for you and your spouse or partner to begin collecting Social Security to maximize your lifetime benefit.
Every year, you'll receive direction on whether Roth conversions will help reduce your overall taxes throughout your retirement (considering tax brackets and other personalized details), and, if so, how much to convert.
Your recommendation goes beyond standard guidance to meet your spending needs and incorporate your legacy goals while striving to minimize taxes.
877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
You chose: Saving for retirement
You may wonder if your current savings rate will be enough to provide the lifestyle you want. Our advisors will help you:
Give us a call to learn more.
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
Additional resources for saving for retirement
Retirement
4 common retirement goals
Our road map to financial security can help give you reassurance that you’re on track to a successful retirement.
Retirement
Saving for retirement
Saving for retirement might be the most important thing you ever do with your money. And the earlier you begin, the less money it will take!
Retirement
IRA contributions: Should you catch up if you were never behind?
Just because you can make a catch-up contribution doesn’t mean you should—it depends on your unique situation.
You chose: Living well in retirement
To help make sure your nest egg lasts, our advisors will look at your complete financial picture, guiding you through:
Give us a call to learn more.
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
†Vanguard does not provide tax advice and we recommend that you consult a tax or financial advisor about your individual situation.
Additional resources for living well in retirement
Retirement
3 behavioral factors can affect retirement spending
Find tips to overcome 3 factors that can get in the way of living out your ideal retirement.
Retirement
Retirement income: Spending your savings
Retirement
Social Security, Medicare and health care in retirement
When you're planning your retirement budget, don't overlook health care expenses. Medicare doesn't cover everything.
You chose: Preserving wealth
Whether your goal is to preserve your wealth for the next generation or use it to live the life you want now, we offer†:
Give us a call to learn more.
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
†Clients with $5 million or more in advised assets are eligible for trust, wealth planning, and estate planning services as well as advice.
Additional resources for preserving wealth
Retirement
Retirement income: Spending your savings
Retirement
Estate planning as you enter retirement
This milestone is a good time to make sure your estate plan is up to date—and to prepare for the years ahead.
You chose: Achieving long-term goals
Balancing a variety of goals while maintaining your long-term vision takes discipline. Our advisors can help you:
Give us a call to learn more.
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
Additional resources for achieving long-term goals
Investing strategies
How to use investment planning to reach your financial goals
Personal finance
How not to pay for your goal
There may be more convenient methods to pay for your purchase, but they usually have consequences.
Personal finance
Make a plan to reach your goal
Studies show that people are more successful when they set goals for themselves. Making a plan is as easy as asking yourself 4 questions.
You chose: I'm not sure
We're here to help! A good first step is to save for retirement, then explore other goals. No matter your goal, we’re here to help you keep your costs low and maintain a disciplined approach.
Chat with a professional.
Additional resources to help you build a plan
How to invest
Investing goals
Invest today, plan for tomorrow. Prepare for your future with Vanguard.
Personal finance
Four timeless principles for investing success
How we work
How We Work
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Frequently asked questions
You'll need to invest a minimum of $500,000 to work with our advisors, 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).
- IRAs.
- Trust accounts.
We can't advise you on 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.
Personal Advisor Select 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.
- You want help managing your investments in a tax-efficient manner and want to take advantage of tax-loss harvesting.*
If you're looking for an advisor who will identify "hot" investment trends and actively trade to beat the market, Personal Advisor Select is NOT the right fit for you.
To review some questions you should ask if you're considering financial advice, read the Advisor Client Relationship Summary (Form CRS) conversation starter questions.
You can also get important details about this service, including asset-based service levels and fee breakpoints, in the Vanguard Personal Advisor Select Brochure.
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!
Log in to your trust portfolio here.
Curious about Personal Advisor Select?
Get to know us, and find out what to expect if you enroll.
We may also send you other Vanguard information you might be interested in. You can opt out at any time.
While we seek to put our clients’ interests first, we have sought to identify potential conflicts where interests and incentives differ, and we seek to disclose such conflicts or situations to you. Like other advisors, we are incentivized to recommend our programs and services over other third-party financial services solutions and products. You should consider carefully which of our services is appropriate for you and whether other products may be more suitable or appropriate. Note that Advisors are not required to recommend the lowest cost solution.
*Tax-loss harvesting involves certain risks, including, among others, the risk that the new investment could have higher costs than the original investment and could introduce portfolio tracking error into your accounts. There may also be unintended tax implications. We recommend that you carefully review the terms of the consent and consult a tax advisor before taking action.
All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.
We recommend that you consult a tax or financial advisor about your individual situation.
For more information about Vanguard funds or Vanguard ETFs, visit vanguard.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.
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. Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses.