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Expert advice for moments that matter
There's a comforting level of confidence that comes with having dedicated support. Vanguard Personal Advisor Wealth Management™ offers advice tailored specifically for you and your family at all stages of life.
Our personalized services are exclusively for investors with $5 million and above in Vanguard funds and ETFs. You'll have a wealth advisor who is a Certified Financial Planner™ (CFP®) professional and access to a team of wealth management partners to consult with you on your financial goals. Whether your goal is to accumulate wealth, preserve it, or plan to transfer it to your loved ones, our comprehensive suite of services is customized to help you get there.
Having a wealth advisor can help you focus and implement actionable plans today that can have a significant impact on financial wellness for years to come. Our advisors offer personalized advice for:
- Saving for retirement.
- Living well in retirement.
- Preserving wealth.
- Achieving long-term goals.
We'll consider your goals, risk tolerance, and time horizon to build an investment portfolio that suits your specific financial situation. You'll have access to:
- A diversified portfolio of high-performing, low-cost Vanguard mutual funds and ETFs.
- Active Select funds, built exclusively for advised clients.
- Alternative investment options through our private equity funds.
Your wealth advisor will help inform you of the best ways to minimize your tax burden, using tactics such as:
- Tax-loss harvesting.
- Minimum tax method.
- Advanced Roth conversion analysis.
- Portfolio tax review (including alternative minimum tax).
Whether your goal is to preserve your wealth for the next generation, continue to build on it, or use it to shape the life you want now, we’re here to help create a strategy that’s perfectly you. You’ll work with our experts to establish a plan that can include:
- Estate plan review.
- Gifting and charitable strategies.
- Equity compensation planning.
- Business owner planning.
- Roth conversion analysis.
- Life insurance needs evaluation.*
- Trusted advisor collaboration.
Vanguard National Trust Company (VNTC) can bring its fiduciary expertise and independence to serve as a professional trustee on your behalf. When a trust advisor joins your team, they'll collaborate with your wealth advisor on:
- Reviewing and evaluating draft trust instruments.
- Collection, protection, investment, and preservation of trust assets.
- Understanding the needs of your beneficiaries and ensuring they’re informed.
- Objectively exercising discretion to make beneficiary distributions in accordance with your wishes.
- Maintaining records and the preparation of trust accountings.
- Managing the complex trust income tax-filing process.
There is an additional fee to hire VNTC to serve as a professional trustee. Please contact us for specific pricing info.
Vanguard family legacy specialists can partner with you to help prepare your beneficiaries to inherit significant wealth and carry on your legacy by:
- Preparing a spouse or partner to oversee finances.
- Providing financial education for future generations.
- Communicating future plans through family meetings.
- Coaching children on roles and responsibilities as parents age and your estate transfers.
If philanthropy is an important part of your investing goals, your advisor can help with:
- Strategies for maximizing the impact of your charitable giving.
- Donor-advised funds (DAFs) to donate a wide range of asset types and support multiple charities.
- Gifting appreciated securities to help minimize future capital gains.
Annual costs
What are the wealth management fees?
Your annual cost for Personal Advisor Wealth Management starts at just 0.3% of your advised assets.
| Managed assets | Annual fee** |
|---|---|
| The first $5 million | 0.3% |
| $5 million to $10 million | 0.2% |
| $10 million to $25 million | 0.1% |
| Over $25 million | 0.05% |
Note: Fee tiers are applied marginally (for example, a household with $11 million under management would pay 0.3% on the first $5 million, 0.2% on the next $5 million, and 0.1% on the remaining $1 million).
Ready to partner with Vanguard Personal Advisor Wealth Management?
Visit vanguard.com to obtain a Vanguard fund or ETF prospectus or, if available, a summary prospectus, which contains investment objectives, risks, charges, expenses, and other information; read and consider carefully before investing.
*Vanguard doesn't provide insurance advice of any type, including assistance with policy choices.
**Vanguard Personal Advisor Wealth Management charges a 0.30% annual advisory fee. Note that this fee doesn't include investment expense ratios, but we generally recommend using low-cost Vanguard funds to build your portfolio. For more information on the services, see Form CRS and the Vanguard Personal Advisor Services Brochure.
All investing is subject to risk, including the possible loss of the money you invest.
Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC. Brokerage assets are held by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC.
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.
Diversification does not ensure a profit or protect against a loss.
Tax-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.
Private investments involve a high degree of risk and, therefore, should be undertaken only by prospective investors capable of evaluating and bearing the risks such an investment represents. Investors in private equity generally must meet certain minimum financial qualifications that may make it unsuitable for specific market participants.
Neither Vanguard nor its financial advisors provide tax and/or legal advice. This information is general and educational in nature and should not be considered tax and/or legal advice. Any tax-related information discussed herein is based on tax laws, regulations, judicial opinions, and other guidance that are complex and subject to change. Additional tax rules not discussed herein may also be applicable to your situation. Vanguard makes no warranties with regard to such information or the results obtained by its use, and disclaims any liability arising out of your use of, or any tax positions taken in reliance on, such information. We recommend you consult a tax and/or legal advisor about your individual situation.
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.