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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.
Want us to manage your money? Have a question for an advisor? Check out your 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.
Join the growing number of investors who are already using Vanguard advice
Vanguard Digital Advisor's and Vanguard Personal Advisor’s services are provided solely by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Please review the Vanguard Digital Advisor and Personal Advisor brochure for important details about these services. Vanguard Digital Advisor’s and Personal Advisor's financial planning tools provide projections and goal forecasts, which are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.
Vanguard Situational Advisor is provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Eligibility restrictions may apply.
1Actual costs vary. Digital Advisor will reduce your gross advisory fee by ... Read more
The legal details
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.
You may be eligibile for a 90-day fee-waiver trial with no advisory fees. Eligibility periods for fee waivers are tied to the enrollment of your first account. If you have an ineligible account that’s been enrolled in Digital Advisor for more than 90 days, new accounts you enroll are not eligible for the fee waiver. If you unenroll before your fee waiver period ends, you won’t owe an advisory fee. But if you choose to reenroll in Vanguard Digital Advisor during or after your fee waiver period, you won’t be eligible for a second fee waiver. This fee waiver offer may be modified or discontinued anytime at the sole discretion of Vanguard Advisers, Inc. All costs associated with fund expense ratios still apply at all times.
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.
- $3,000 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.