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Planning for retirement

A retirement plan that's all about you

The few years before retirement are exciting and maybe a little nerve-racking. Partner with us to ensure you're doing everything you should.
4 minute read

Why get retirement advice from Vanguard Personal Advisor Services?

1. The reassurance you're doing everything you should

Whether you've been investing on your own or using an advisor to help you make decisions, retirement brings a whole new set of questions and considerations—and it's important to get the right answers so you can have the retirement you want.

Your questions will be as personal as you are and might include:

  • When can I retire?
  • How much should I be saving to live the lifestyle I want?
  • How can I balance saving for myself with the needs of my kids and parents?
  • What strategies can I use to lower my taxes—now and in the future?
  • What's my best strategy for Social Security?

A Vanguard advisor will custom-develop a plan that's based on your personal goals and financial situation, and then guide and coach you as much as you want—giving you the confidence that you're doing all you can to reach your goals.

And because your advisor spends time getting to know you and your goals, you can trust that every decision will be made with your best interests in mind.

2. More money for retirement

Our retirement planners follow investing principles we've developed over the past 40 years. Research shows that these principles can help you earn more over time than the average investor.*

Here's what our advisors will do:

Use low-cost investments to build your portfolio. Our advisors aren't paid extra to sell you investments you don't need. Instead, they'll choose a mix of low-cost, diversified stock and bond funds that keep more of your money working for you.

Review and rebalance your portfolio. Our advisors will regularly check on your investments. When necessary, they'll rebalance your portfolio to make sure your mix of stock and bond funds is aligned with your financial plan.

Minimize your taxes. The less you pay in taxes, the more your money can last. That's why our advisors focus on tax efficiency. And after you retire, they'll withdraw your retirement money in a way that keeps your taxes low.

Serve as an investing coach. During times when the market rises or falls, many people are tempted to abandon their carefully crafted investment plans. Our advisors serve as investing coaches and will help keep you on course.

What does it cost?

Just as we reinvented investing with our low-cost mutual funds, we've reinvented retirement solutions—by giving you the chance to get customized advice at a low cost.

The annual cost for Vanguard Personal Advisor Services is only 0.30% of the assets you enroll. That's just $3 for every $1,000 enrolled.

Get started with your retirement financial planning

Learn more about how Vanguard can help you reach your retirement goals

Get more from Vanguard. Call 1-800-669-9401 to speak with an investment professional.

Get more from Vanguard. Call 1-800-669-9401 to speak with an investment professional.

*Source: Donald G. Bennyhoff and Francis M. Kinniry Jr., 2016. Valley Forge, Pa.: The Vanguard Group.

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

Advice services are provided by Vanguard Advisers Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally-chartered limited-purpose trust company.

The services provided to clients who elect to receive ongoing advice will vary based upon the amount of assets in a portfolio. Please review the Form CRS and Vanguard Personal Advisor Services Brochure for important details about the service, including its asset-based service levels and fee breakpoints.

VAI is a subsidiary of The Vanguard Group, Inc., and an affiliate of Vanguard Marketing Corporation. Neither VAI nor its affiliates guarantee profits or protection from losses.

Vanguard Personal Advisor Services charges fees based on a tiered fee schedule calculated as an average net advisory fee on all assets managed by Vanguard Advisers, Inc or by Vanguard National Trust Company. For portfolios less than $5 million in assets, the fee is 0.30%; for portfolios from $5 million and below $10 million in assets, the fee is 0.20%; for portfolios between $10 million and $25 million in assets, the fee is 0.10%; and for portfolios above $25 million in assets the fee is 0.05%. Retail asset and institutional asset fees will be assessed separately.