Get the most out of your savings with an advisor

Saving money for retirement over the years may not have been easy, but it was probably relatively straightforward.

Spending your retirement money can be a lot more complicated—and it's important to make the right decisions that will help your savings last.

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

• How can I generate income when bond yields are low?
• Which should I withdraw from first—my IRA or my taxable account? Roth or traditional? Dividends or principal?
• Should I buy an annuity? What kind?
• How can I keep my taxes as low as possible?
• What's the best way to leave money to my family and support causes that are important to me?

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.

Our advisors follow investing principles we've developed over the past 40 years. Research shows that an advisor who provides the below investment strategies and guidance can add meaningful value compared to the average investor experience.*

An advisor will:

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.

Minimize your taxes. The less you pay in taxes, the longer your money can last. That's why our advisors focus on withdrawing 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 keep you on course.

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 your assets we manage. That's less than one-third the industry's average cost of 0.99%**—and that means more money working for your retirement.

Call us at 800-891-5356 to find out more about how partnering with an advisor can give you greater confidence and help you earn more during retirement.