What is Vanguard Flagship?
Flagship is a complimentary client service for investors with $1 million to $10 million in Qualifying Assets.1 You'll stay in control while accessing priority service, guidance for big decisions, and premium value—all designed to help you achieve more.
More expertise. More support. More ahead.
Your wealth is growing—which means new possibilities to explore.
Wherever you are in life, Flagship keeps you in control with personalized guidance and curated benefits, helping you navigate life's demands with confidence. It's designed to evolve alongside your needs and provide the elevated experience you deserve.
Explore the benefits of Vanguard Flagship
Flagship brings together personalized guidance, priority service, and premium value to help you build on your success and move forward with confidence. Consider the advantages it offers.
- Personalized guidance
- Priority service
- Premium value
Guidance for the next level of wealth building
Make informed decisions as your financial life evolves with personalized perspectives, specialized support, and additional resources.
- Financial consultants.2 When you're weighing your options or making important decisions, you'll enjoy access to consultants for guidance and insight on Vanguard products and services.
- Exclusive thought leadership and events. You'll keep up with market perspectives through our timely insights and special events.
- Personalized trust services. You can plan how your wealth will be managed and protected by exploring trust services and administration for an additional fee.4
Priority service when you need it
When you need help, you’ll have access to an aligned team—whether you have account questions or service needs.
- Dedicated phone support. For help with account questions, transactions, or next steps that are easier to talk through, you can call your dedicated Flagship service team.
- Priority live chat. If you’re seeking assistance with everyday needs, like checking account details or accessing the right resources, you can connect with human representatives.
- Reduced transfer costs. Flagship clients may qualify for a full or partial reimbursement of another firm's fee when transferring assets into Vanguard.5
- No account service fee. There is no account service fee, even if you prefer mail delivery. Other fees and commissions may apply.
More ways to put your wealth to work
As a Flagship client, you’ll have access to expanded options for saving, investing, borrowing, and managing cash.
- Cash Plus Enhanced APY. You can earn more on the cash you keep on hand with a - APY on your Cash Plus Account2—up to 9x more than the average traditional savings account.6
- TurboTax savings coming soon. File your taxes for less with a 25% discount on TurboTax federal products.7
- Enhanced margin rates. You'll have access to margin loans at lower interest rates when you need short-term liquidity.8
- Passive income opportunities. You'll get the chance to earn potential income through our Fully Paid Lending program.9
Guidance for the next level of wealth building
Make informed decisions as your financial life evolves with personalized perspectives, specialized support, and additional resources.
- Financial consultants.2 When you're weighing your options or making important decisions, you'll enjoy access to consultants for guidance and insight on Vanguard products and services.
- Exclusive thought leadership and events. You'll keep up with market perspectives through our timely insights and special events.
- Personalized trust services. You can plan how your wealth will be managed and protected by exploring trust services and administration for an additional fee.4
Priority service when you need it
When you need help, you’ll have access to an aligned team—whether you have account questions or service needs.
- Dedicated phone support. For help with account questions, transactions, or next steps that are easier to talk through, you can call your dedicated Flagship service team.
- Priority live chat. If you’re seeking assistance with everyday needs, like checking account details or accessing the right resources, you can connect with human representatives.
- Reduced transfer costs. Flagship clients may qualify for a full or partial reimbursement of another firm's fee when transferring assets into Vanguard.5
- No account service fee. There is no account service fee, even if you prefer mail delivery. Other fees and commissions may apply.
More ways to put your wealth to work
As a Flagship client, you’ll have access to expanded options for saving, investing, borrowing, and managing cash.
- Cash Plus Enhanced APY. You can earn more on the cash you keep on hand with a - APY on your Cash Plus Account2—up to 9x more than the average traditional savings account.6
- TurboTax savings coming soon. File your taxes for less with a 25% discount on TurboTax federal products.7
- Enhanced margin rates. You'll have access to margin loans at lower interest rates when you need short-term liquidity.8
- Passive income opportunities. You'll get the chance to earn potential income through our Fully Paid Lending program.9
Guidance for the next level of wealth building
Make informed decisions as your financial life evolves with personalized perspectives, specialized support, and additional resources.
- Financial consultants.2 When you’re weighing your options or making important decisions, you’ll enjoy access to consultants for guidance and insight on Vanguard products and services.
- Exclusive thought leadership and events. You’ll keep up with market perspectives through our timely insights and special events.
- Personalized trust services. You can plan how your wealth will be managed and protected by exploring trust services and administration for an additional fee.4
Priority service when you need it
When you need help, you’ll have access to an aligned team—whether you have account questions, transactions, or service needs.
- Dedicated phone support. For help with account questions, transactions, or next steps that are easier to talk through, you can call your dedicated Flagship service team.
- Priority live chat. If you’re seeking assistance with everyday needs, like checking account details or accessing the right resources, you can connect with human representatives.
- Reduced transfer costs. Flagship clients may qualify for a full or partial reimbursement of another firm's fee when transferring assets into Vanguard.5
- No account service fee. There is no account service fee, even if you prefer mail delivery. Other fees and commissions may apply.
More ways to put your wealth to work
As a Flagship client, you’ll have access to expanded options for saving, investing, borrowing, and managing cash.
- Cash Plus Enhanced APY. You can earn more on the cash you keep on hand with a - APY on your Cash Plus Account2—up to 9x more than the average traditional savings account.6
- TurboTax savings. File your taxes for less with a 25% discount on TurboTax federal products.7
- Preferred margin rates. You'll have access to margin loans at the Vanguard Premier interest rate when you need short-term liquidity.8
- Passive income opportunities. You'll get the chance to earn potential income through our Fully Paid Lending program.
More resources to guide what comes next
Get insights that can help you plan with confidence.
When can I retire?
Managing Liquidity: Your key to financial agility
What to do with an inheritance
Let's explore Flagship together
Connect with us to find out how Flagship benefits can support your goals.
Monday through Friday
8 a.m. to 8 p.m., Eastern time
Frequently asked questions about Flagship
Flagship is for Vanguard Brokerage Services’ clients with $1 million to $10 million in Qualifying Assets (QA).1 Consolidating more assets at Vanguard helps make you eligible for Flagship.
Yes. All Flagship benefits are available to clients who meet the Flagship eligibility. However, if you are enrolled in a Vanguard advice service and have an assigned advisor, your advisor will remain your primary point of contact for issues related to important life changes or decisions. You will not receive a new Financial Consultant.
Flagship gives you the independence you value with the human support you need. Get priority service, access to financial consultants and specialists, and financial advantages—all designed to grow with your wealth.
If you qualify, you'll be automatically eligible for Flagship benefits. You do not need to take any action. You’ll receive contact details from the dedicated Flagship team and can schedule a call to review your benefits and discuss how to use them.
No, there is no fee to be in Flagship. However, certain benefits, services, and account features may be subject to eligibility requirements, fees, or other charges. Brokerage account fees and commissions may also apply. Please review the applicable fee schedules and service descriptions for details about the fees and costs associated with specific products, services, and account features. See the Vanguard Brokerage Services Commission and Fee Schedules for more information.
1Clients with more than $10 million in Qualifying Assets (QA) may be eligible for the Wealth Management service. Wealth Management is offered by invitation only, and eligibility or enrollment is not guaranteed. Clients who have $10 million or more of QA but are not invited to Wealth Management are eligible to receive Flagship services. For more information about how Qualifying Assets are calculated, see the Vanguard Brokerage Services Commission and Fee Schedules.
2If you are enrolled in a Vanguard-affiliated advice service and have an assigned advisor, your advisor will remain your primary point of contact for issues related to important life changes or decisions. You will not receive a new Financial Consultant. For routine brokerage account servicing needs, you can contact your servicing team for support at 877-662-7447.
3The Vanguard Cash Plus bank sweep program Enhanced APY (annual percentage yield) presented 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 our Cash Plus page.
4Trust services are provided by Vanguard National Trust Company, which is a federally chartered, limited-purpose trust company operated under the supervision of the Office of the Comptroller of the Currency. Eligibility criteria apply.
5Reimbursement of an account transfer fee charged by another financial institution may be available when you complete a qualifying full ACAT transfer to Vanguard Brokerage Services. Eligible taxable accounts receive reimbursement automatically, while eligible IRA and trust account holders must request reimbursement. Terms, conditions, eligibility requirements, and other limitations apply (PDF).
6Source for average bank savings yield of 0.37%: FDIC National Rates and Rate Caps as of September 21, 2026. Bank savings accounts offer different services and features than a Vanguard Cash Plus Account. For example, savings accounts often offer features like overdraft protection, ATM access, bill pay services, and other conveniences that Cash Plus Accounts do not offer. Cash Plus Accounts allow you to hold certain securities that bank savings accounts cannot hold. In addition, Cash Plus Accounts are subject to fraud prevention restrictions such as holding periods and transaction limits, which may not apply to a bank savings account. There may be other differences between these products that you may want to consider before choosing which option is best for you.
7TurboTax® is a product and service provided by Intuit Inc. ("Intuit"), an independent third party that is not affiliated with Vanguard. Vanguard does not provide, supervise, review, monitor, or verify any tax preparation services, tax filing services, tax advice, legal advice, or accounting advice provided by Intuit and is not acting as a tax preparer in connection with this offer. Any tax return, filing, calculation, recommendation, advice, or other work product generated or provided through TurboTax® is solely the responsibility of Intuit and the client. Vanguard is not responsible or liable for the accuracy, completeness, adequacy, timeliness, filing status, tax treatment, outcomes, or results of any products or services provided by Intuit, including any errors, omissions, penalties, interest, assessments, or other consequences arising from the use of TurboTax®. Clients should consult their own tax, legal, and accounting professionals regarding their individual circumstances.
Visit the Offer Details and Disclosures website for TurboTax® product guarantees and other important information. Limited time offer for TurboTax 2026. Discount applies to TurboTax® federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax® and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Clients may be required to access TurboTax® through a designated Vanguard link to receive any available discount.
8Margin trading poses inherent risks to investors electing to engage in leveraged strategies. Prior to engaging in any borrowing activity, it is important to fully understand the capital risks associated with this product. Market conditions can magnify any potential for loss. You can learn more by reviewing the Vanguard Brokerage Initial Margin Risk Disclosure Statement. Vanguard Brokerage does not provide legal or tax advice. Please consult a tax advisor when determining the tax implications of transacting in your account or the deductibility of loan interest.
9Participation in Vanguard Brokerage's Fully Paid Lending program requires eligibility, client-determined appropriateness, and enrollment. Participation involves certain risks and doesn't guarantee that you'll earn money. Vanguard Brokerage Services maintains an economic interest in Fully Paid Lending program loans and earns revenue in connection with such loans.
The Vanguard Cash Plus Account is a brokerage account offered by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC. Under the Sweep Program, Eligible Balances swept to Program Banks are not securities: they are not covered by SIPC, but are eligible for FDIC insurance, subject to applicable limits. Money market funds held in the account are not guaranteed or insured by the FDIC, but are securities eligible for SIPC coverage. See the Vanguard Bank Sweep Products Terms of Use (PDF) and Program Bank list (PDF) for more information.
All investing is subject to risk, including the possible loss of the money you invest. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. Diversification does not ensure a profit or protect against a loss.