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.
Talk to an investment professional
877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
The benefits of working with our financial advisors
- Personalized planning
- Financial value
- Peace of mind
- Time savings
Personalized planning
Your dedicated advisor, who's a Certified Financial Planner® (CFP®) professional, will help develop a custom investment strategy that’s designed to help you reach your goals—and to evolve with life changes. Your portfolio is built with world-class technology and powered by the time-tested investment strategies that have made Vanguard an industry leader for 50 years.
Financial value
You get the benefit of smart, complex strategies, like asset location, tax minimization, health care funding, and retirement withdrawal planning—all for a $30 annual advisory fee (cost per $10,000)1. Because we understand that successful investing isn’t just about what you make, but what you keep.
Peace of mind
You get the confidence of partnering with a skilled advisor as they help you uncover opportunities, help you navigate complex decisions, and offer you guidance during turbulent times. You and your advisor will plan for the expected and unexpected scenarios, working to optimize your outcomes while controlling for risk.
Time savings
You get more time to focus on the things you love, while knowing your investments are in trusted, capable hands. Your advisor can take care of research, tax planning, and ongoing advice, keeping your portfolio aligned with your goals. When you need to check in or ask questions, they’re only a phone call away.
Personalized planning
Your dedicated advisor, who's a Certified Financial Planner® (CFP®) professional, will help develop a custom investment strategy that’s designed to help you reach your goals—and to evolve with life changes. Your portfolio is built with world-class technology and powered by the time-tested investment strategies that have made Vanguard an industry leader for 50 years.
Financial value
You get the benefit of smart, complex strategies, like asset location, tax minimization, health care funding, and retirement withdrawal planning—all for a $30 annual advisory fee (cost per $10,000)1. Because we understand that successful investing isn’t just about what you make, but what you keep.
Peace of mind
You get the confidence of partnering with a skilled advisor as they help you uncover opportunities, help you navigate complex decisions, and offer you guidance during turbulent times. You and your advisor will plan for the expected and unexpected scenarios, working to optimize your outcomes while controlling for risk.
Time savings
You get more time to focus on the things you love, while knowing your investments are in trusted, capable hands. Your advisor can take care of research, tax planning, and ongoing advice, keeping your portfolio aligned with your goals. When you need to check in or ask questions, they’re only a phone call away.
Get the Vanguard Cash Plus Enhanced APY
Personal Advisor clients with a Cash Plus Account qualify for the Enhanced APY of - as of -.*
*The Bank Sweep Program Enhanced APY (annual percentage yield) is - as of -. The APY will vary and may change at any time. For current Cash Plus APYs and full Rate Tiering Program rules, terms, and conditions, go to the Cash Plus page.
Vanguard Cash Plus Account is a brokerage account offered by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC.
The Vanguard Cash Plus Account is a self-directed brokerage account separate from the Personal Advisor service. Other options are offered through a self-directed Vanguard Brokerage Account separate from your advice service. You should carefully assess if the Vanguard Cash Plus Account or other available options are the right short-term savings product for your personal circumstances.
Sign up to learn more about Personal Advisor Select
Our short email series will cover the essentials and answer common questions.
We may also send other Vanguard communications you might like.
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.
844-966-3653
Monday through Friday 8 a.m. to 8 p.m., Eastern time
What's next?
Want personalized emails based on your answers? Sign up today
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
What are your retirement goals?
Our financial advisors can help you develop a retirement income strategy. Learn more about each goal.
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Legacy planning
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Spending strategies
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Tax-efficient investment selection
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Personal trust planning
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Create a detailed plan
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Select efficient investment vehicles
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Tackle big questions through a tax-friendly lens
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Social Security and RMD (required minimum distribution) decisions
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Health care options
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Tax reduction strategies†
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Spending vs. savings decisions
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Create a long-term strategy
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Choose the right account types
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Select appropriate investments
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Set meaningful goals
Helpful resources
Retirement
Retirement income: Spending your savings
Retirement income planning can be complicated. Learn about general strategies and considerations that can help you better understand managing income in retirement.
Retirement
5 steps for retirement planning
Plan for a secure retirement with Vanguard's comprehensive guide. Set goals, assess finances, choose accounts, and invest wisely for your future.
Taxes
Effective tax-saving strategies for investors
From maximizing tax-advantaged savings accounts to charitable giving, here are some tax-saving strategies to consider.
Planning for retirement
Planning for health care in retirement
Planning for health care in retirement? Get insights on factors affecting costs, Medicare, and long-term care insurance. Start planning today.
Talk to an investment professional
877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
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.
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.
Eligibility and rate updates don’t always happen immediately. Depending on how you qualify, updates may be processed daily, weekly, or over a longer period. For example, asset-based eligibility is typically reviewed weekly, advisory-service eligibility is generally updated daily, and eligibility through certain employer-sponsored retirement plans may take up to 90 days to be reflected.
Ready to get started?
See what Vanguard Personal Advisor Select can do for you
877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
1Vanguard 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 charged by a fund. Please review each service’s advisory brochure for more fee information.
2Tax-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.
†Vanguard does not provide tax advice and 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®, CERTIFIED FINANCIAL PLANNER®, in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
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.
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.