Maximize your financial potential with smart investment choices
Choose the level of support that suits you, and benefit from a platform built to help you succeed. With low fees1 and a broad selection, you can diversify your portfolio, and stay aligned with your financial goals. Whether you're saving for retirement, funding education, or building long-term security, our tools and resources make it easier to invest with confidence.
Benefits of our investing options
Invest on your own | Advice with Vanguard | |
---|---|---|
What may suit your needs | Investors who want full control | Investors seeking professional guidance or robo-advice |
What you get | Powerful tools, low fees, and brand you can trust | Peace of mind, ongoing help and resources, personalized investment strategies |
Our support | Always available online tools & education resources | Continuous support through all advice services with dedicated advisers at certain asset levels |
Costs and fees | $0 to trade stocks, ETFs, and Vanguard mutual funds online. | Robo-advice fee starting at 0.15%2 and Personal advisory fees starting at .30%3 |
What may suit your needs
Investors who want full control
What you get
Powerful tools, low fees, and brand you can trust
Our support
Always available online tools & education resources
Costs and fees
$0 to trade stocks, ETFs, and Vanguard mutual funds online.
What may suit your needs
Investors seeking professional guidance or robo-advice
What you get
Peace of mind, ongoing help and resources, personalized investment strategies
Our support
Continuous support through all advice services with dedicated advisers at certain asset levels
Costs and fees
Robo-advice fee starting at 0.15%2 and Personal advisory fees starting at .30%3
How we support your investment portfolio
From investing to financial planning, we can help you reach your financial goals.
- Up to $50,000
- Up to $500,000
- Up to $5 million
- $5 million +
Investors with up to $50,000
With no investment minimum, you you can start investing through a Vanguard Brokerage Account. With no trade commissions and online access to funds, this offers a flexible investment solution for investors looking to build a diverse portfolio.
With just $100, in your Vanguard Brokerage Account you can choose to manage your own portfolio or use Vanguard Digital Advisor—a low-cost robo-advisor for balances under $50,000. It offers automated ETF portfolios, retirement planning, and ongoing support like portfolio monitoring and rebalancing—with no advisor fees for 90 days4.
Investors with $50,000 up to $500,000
With a minimum investment of $50,000, investors can become a Vanguard Personal Advisor client. This service combines technology with access to a human advisor for about $30-$313 annually per $10,000 invested. Clients benefit from ongoing portfolio oversight at a low cost as their assets grow.
Investors with $500,000 up to $5 million
You can always stay self-directed, but by becoming a Personal Advisor Select client, you gain ongoing advice and portfolio oversight from a Certified Financial Planner™ (CFP®) for no more than $303 in advisory fees per $10,000 annually.

Investors with $5 million or more
Whether you prefer the independence of self-directed investing or the personalized attention of a Personal Advisor Wealth Management relationship, your financial journey deserves exceptional care. You choose the level of guidance that suits your needs—for a transparent fee. From your dedicated relationship manager to your financial advisor and a team of seasoned experts, you’ll have access to some of the most trusted professionals, committed to helping you achieve your goals with confidence and clarity.
Experience Wealth Management
Investors with up to $50,000
With no investment minimum, you you can start investing through a Vanguard Brokerage Account. With no trade commissions and online access to funds, this offers a flexible investment solution for investors looking to build a diverse portfolio.
With just $100, in your Vanguard Brokerage Account you can choose to manage your own portfolio or use Vanguard Digital Advisor—a low-cost robo-advisor for balances under $50,000. It offers automated ETF portfolios, retirement planning, and ongoing support like portfolio monitoring and rebalancing—with no advisor fees for 90 days4.
Investors with $50,000 up to $500,000
With a minimum investment of $50,000, investors can become a Vanguard Personal Advisor client. This service combines technology with access to a human advisor for about $30-$313 annually per $10,000 invested. Clients benefit from ongoing portfolio oversight at a low cost as their assets grow.
Investors with $500,000 up to $5 million
You can always stay self-directed, but by becoming a Personal Advisor Select client, you gain ongoing advice and portfolio oversight from a Certified Financial Planner™ (CFP®) for no more than $303 in advisory fees per $10,000 annually.

Investors with $5 million or more
Whether you prefer the independence of self-directed investing or the personalized attention of a Personal Advisor Wealth Management relationship, your financial journey deserves exceptional care. You choose the level of guidance that suits your needs—for a transparent fee. From your dedicated relationship manager to your financial advisor and a team of seasoned experts, you’ll have access to some of the most trusted professionals, committed to helping you achieve your goals with confidence and clarity.
Experience Wealth Management
Investors with up to $50,000
With no investment minimum, you you can start investing through a Vanguard Brokerage Account. With no trade commissions and online access to funds, this offers a flexible investment solution for investors looking to build a diverse portfolio.
With just $100, in your Vanguard Brokerage Account you can choose to manage your own portfolio or use Vanguard Digital Advisor—a low-cost robo-advisor for balances under $50,000. It offers automated ETF portfolios, retirement planning, and ongoing support like portfolio monitoring and rebalancing—with no advisor fees for 90 days4.
Investors with $50,000 up to $500,000
With a minimum investment of $50,000, investors can become a Vanguard Personal Advisor client. This service combines technology with access to a human advisor for about $30-$313 annually per $10,000 invested. Clients benefit from ongoing portfolio oversight at a low cost as their assets grow.
Investors with $500,000 up to $5 million
You can always stay self-directed, but by becoming a Personal Advisor Select client, you gain ongoing advice and portfolio oversight from a Certified Financial Planner™ (CFP®) for no more than $303 in advisory fees per $10,000 annually.
Investors with $5 million or more
Whether you prefer the independence of self-directed investing or the personalized attention of a Personal Advisor Wealth Management relationship, your financial journey deserves exceptional care. You choose the level of guidance that suits your needs—for a transparent fee. From your dedicated relationship manager to your financial advisor and a team of seasoned experts, you’ll have access to some of the most trusted professionals, committed to helping you achieve your goals with confidence and clarity.
Experience Wealth Management
It doesn’t matter how much income you have, it’s about choosing what you do with that income.”
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1Vanguard average expense ratio: 0.07%. Industry average expense ratio: 0.44%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2024.
2Vanguard Digital Advisor charges Vanguard Brokerage Accounts an annual gross advisory fee of 0.20% for its all-index investment options and 0.25% for an active/index mix. Vanguard Personal Advisor charges Vanguard Brokerage Accounts an annual gross advisory fee of 0.35% for its all-index investment options and 0.40% for an active/index mix. These services reduce those fees by the amount of revenue that Vanguard (or a Vanguard affiliate) retains from your portfolio in order to calculate your net advisory fee. Note that this fee doesn't include investment expense ratios—such as fees paid to the funds' third-party managers, which aren't credited. You should consult your plan fee disclosure notice for the applicable annual gross advisory fees that apply to your 401(k) account.
3Vanguard Personal Advisor charges Vanguard Brokerage Accounts an annual gross advisory fee of 0.35% for its all-index investment options and 0.40% for an active/index mix. The service reduces those fees by the amount of revenue that Vanguard (or a Vanguard affiliate) retains from your portfolio in order to calculate your net advisory fee. Note that this fee doesn't include investment expense ratios charged by a fund, such as fees paid to the funds' third-party managers which are not credited. While we generally recommend using low-cost Vanguard funds to build your portfolio, actively managed funds will have higher expense ratios than index funds. Please review each service's advisory brochure for more fee information. You should consult your plan fee disclosure notice for the applicable annual gross advisory fees that apply to your 401(k) account.
Vanguard 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.
4The introductory waiver period for Vanguard Digital Advisor's net advisory fee begins when the first account's enrollment is complete and ends after the close of the first billing period (generally 90 days), which is specific to each client. If you enroll additional accounts at a later date, you can still take advantage of any remaining fee-waiver period. However, each additional account you enroll won't trigger a unique fee-waiver period but will instead be commingled with your first enrolled account. If you unenroll before your fee-waiver period ends, you won't owe an advisory fee. But if you choose to reenroll in Vanguard Digital Advisor during or after your fee-waiver period, you won't be eligible for a second fee waiver. If you previously enrolled accounts in other VAI proprietary retail offers you will not be eligible for the introductory fee waiver. This fee-waiver offer may be modified or discontinued anytime at the sole discretion of Vanguard Advisers, Inc. All costs associated with fund expense ratios still apply at all times.
For more information about Vanguard mutual funds or Vanguard ETFs, obtain a mutual fund or an ETF prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.
All investing is subject to risk, including the possible loss of the money you invest.
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.
You must buy and sell Vanguard ETF Shares through Vanguard Brokerage Services (we offer them commission-free online) or through another broker (who may charge commissions). See the Vanguard Brokerage Services Commission and Fee Schedules for limits. Vanguard ETF Shares are not redeemable directly with the issuing Fund other than in very large aggregations worth millions of dollars. ETFs are subject to market volatility. When buying or selling an ETF, you will pay or receive the current market price, which may be more or less than net asset value.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified Financial Planner™ in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.