Our advice services
Advice that fits
At Vanguard, our mission is to give you the best chance for investment success. That's why we’re partnering with your employer to offer expert advice and money management—at the low cost you expect from us.
Now that Digital Advisor is coming to your retirement plan, you have access to a great online advice service. But if you have a question for an advisor, or need to talk through a complex financial situation, here are some excellent options.
Vanguard Digital Advisor®
Get money management and advice for all your financial goals—entirely online.
Costs about $15 for every $10,000 we manage each year1
- Unlimited digital access.
- For life’s important financial goals.
- Expert advice and ongoing money management.
Requires a minimum $5 account balance4
Vanguard Personal Advisor®
Partner with a financial advisor who’s laser-focused on what matters most to you.
Costs about $30 for every $10,000 we manage each year2
- Unlimited digital access and support from a human advisor.
- For all your goals—even the most complex ones.
- Expert advice and ongoing money management.
Requires a minimum $250,000 account balance5
Vanguard Situational Advisor™
Set up a onetime chat with an advisor to discuss any financial situation that pops up.
Cost varies by plan
(Up to $250 per consultation)3
- Access to a human advisor when you need it.
- For a specific goal or question.
- Advice only. You still manage your money.
Requires a minimum $500 account balance6
Why advice?
People who get expert advice feel more secure about their financial future. That’s because advice is helping them stay on track to reach their goals.
So reach for the goals that are important to you with advice from Vanguard.
You deserve financial advice that’s as unique as you are
1Actual costs vary. Digital Advisor will reduce your gross advisory fee by the amount of revenue (such as expense ratio rebates) that Vanguard (or a Vanguard affiliate) collects on your portfolio in order to calculate the net advisory fee. Digital Advisor’s annual net advisory fee is approximately 0.15% across your enrolled accounts for a typical investment portfolio, although your actual net fee will vary depending on the specific holdings in each enrolled account. Your net advisory fee can also vary by enrolled account type. Plan participants’ actual advisory fees will vary depending on your plan’s lineup and the revenue that Vanguard receives from those investments. Please see your plan fee disclosure notices for the applicable annual gross advisory fees that apply to your plan assets.
2Actual costs vary. Personal Advisor will reduce your gross advisory fee by the amount of revenue (such as expense ratio rebates) that Vanguard (or a Vanguard affiliate) collects on your portfolio in order to calculate the net advisory fee. Personal Advisor’s annual net advisory fee is approximately 0.30% across your enrolled accounts for a typical investment portfolio, although your actual net fee will vary depending on the specific holdings in each enrolled account. Your net advisory fee can also vary by enrolled account type. Plan participants’ actual advisory fees will vary depending on your plan’s lineup and the revenue that Vanguard receives from those investments. Please see your plan fee disclosure notices for the applicable annual gross advisory fees that apply to your plan assets.
3The full cost of a Vanguard Situational Advisor consultation is $250. But your employer may pay part or all of the fee for you. Log in to your account to see the exact cost to you.
4To be eligible for Vanguard Digital Advisor, you must have one of the following:
$5 or more in your employer-sponsored retirement plan at Vanguard.
$100 or more in IRAs and taxable accounts—owned individually or as joint tenants with rights of survivorship—at Vanguard.
5To be eligible for Personal Advisor, you must have one of the following:
$250,000 or more in your employer-sponsored retirement plan at Vanguard.
$50,000 or more in IRAs and taxable accounts—owned individually or as joint tenants with rights of survivorship—at Vanguard.
$250,000 total among your employer-sponsored retirement plan, IRAs, and taxable accounts—owned individually or as joint tenants with rights of survivorship—at Vanguard.
6The $500 minimum balance requirement will be waived if your employer pays the full cost of your Vanguard Situational Advisor consultation.
7As of June 2023, based on Vanguard’s “Success Rate” forecasting for all Vanguard advice clients who have personalized with a retirement goal. Vanguard advice clients include 401(k) participants enrolled in Digital Advisor and Personal Advisor.
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