What does it cost?
Premium advice without the premium price
Vanguard Personal Advisor costs a lot less than you might think. When you sign up, you’ll only pay about $30 for every $10,000 we manage for you (with a $250,000 minimum balance required in your retirement plan account).1; 2
That’s a lot less than what you’d likely pay somewhere else. In fact, it’s less than one-third of the industry-average cost for the same type of service!3
Plus, you’ll never pay any commissions. And the fees will come out of your investment account automatically each quarter. So you’ll never have to pay anything out of pocket.
Calculate my cost
The total balance of all accounts at Vanguard that I want Personal Advisor to manage:
Find out how much you’ll pay—and how much you’ll save—with Personal Advisor.
Personal Advisor can manage these types of accounts at Vanguard:
- Certain employer-sponsored retirement plan accounts, like 401(k) accounts.
- Taxable accounts owned individually or as joint tenants with rights of survivorship.
- Traditional, Roth, and rollover IRAs.
Note: Personal Advisor can't manage accounts at other financial institutions. So don't include those balances here. But you can link those accounts to Personal Advisor's financial planning tools after you enroll.
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The legal details
1To be eligible for Personal Advisor, you must have one of the following:
- $250,000 or more in manageable retirement plan assets.
- $50,000 or more in manageable assets in a personal account with Vanguard.
- At least $250,000 in manageable assets total among your retirement plan and personal accounts at Vanguard.
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.
3Source: PriceMetrix by McKinsey. Average fees are based on data contained in PriceMetrix’s proprietary database, representing more than 20 North American wealth management firms that represent 70,000 financial advisors. PriceMetrix’s data set covers nearly half of retail assets managed by full-service financial advisors. The average fees for new accounts are based on households with assets of $1 million to $1.5 million. Personal Advisor clients at the same asset level will be assessed an approximate 0.30% advisory fee. Note that full-service advisors may provide a tiered-fee structure based on the level of assets being managed, and may require a minimum asset level to manage the accounts. The average fees do not consider other costs, including underlying product costs, transaction costs, or other account costs. Unless otherwise noted, all data are reported as of December 31, 2020.
Vanguard Personal Advisor's services are provided solely by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Please review the Vanguard Personal Advisor brochure for important details about this service. Vanguard 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.