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
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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1 To 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.
2 Actual 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.
3 Based on the Personal Advisor fee of 0.30% vs. an average 1.00% fee when receiving advice through a traditional full-service financial advisor. Source: “2025 Robo-Advisor Landscape” by Amy C. Arnott, et al. © 2025 Morningstar, Inc. All rights reserved. In this example, we’re comparing the investment advisory fee for Vanguard Personal Advisor with the industry-average investment advisory fee when receiving advice through a traditional full-service financial advisor. Traditional full-service advisors provide varying levels of investment management and support, generally including a dedicated investment advisor with more holistic financial planning. Personal Advisor will provide access to a pool of advisors, or a dedicated advisor depending on your enrolled asset level, for financial planning consultations, while the management of your enrolled assets will be based on Vanguard’s methodology. Traditional full-service advisors may operate under a different fee structure, like a flat fee or a tiered-fee structure based on the level of assets being managed. Human financial advisors may also require a minimum asset level to manage the accounts. The average investment advisory fees do not consider other costs, including underlying product costs, transaction costs, or other account costs.
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. VAI is a subsidiary of The Vanguard Group, Inc. (VGI), and an affiliate of Vanguard Marketing Corporation (VMC). Neither VAI nor its affiliates guarantee profits or protection from losses.