Personalized investment advice
Vanguard advisors provide personalized financial planning and investment management to help you reach your financial goals. They create tailored plans, manage diversified portfolios using low-cost funds, and offer ongoing support to adjust strategies as your needs or market conditions change.
Compare our advice services
Take control of your financial future with powerful investment advice, whether through expert financial advisors or intuitive digital platforms tailored to your goals.
Vanguard Digital Advisor®
$1001 minimum to qualify.
Annual advisory fee: Approximately $15-$16 per $10,000 invested.2
A robo-advisor is an automated digital platform that provides financial planning and investment management services. Our robo-advisor gives you:
- Automated investing with both funds and ETF-based portfolios.
- Guidance on saving for retirement.
- Options to add custom goals to your plan.
- Debt strategies to pay off debt faster.
- No advisory fees for the first 90 days.4
Vanguard Personal Advisor®
$50,000 minimum to qualify.
Annual advisory fee: Approximately $30-$31 per $10,000 invested.2
A hybrid advisor combines automated investment management with access to human financial advisors for personalized guidance. This hybrid service offers you:
- Access to professional financial advisors.
- Ongoing personal financial planning and automated investing options.
- Support for tax strategies, withdrawals, debt management, and other planning topics.
Call us at 877-665-8495
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
Vanguard Personal Advisor Select™
$500,000 minimum to qualify.
Annual advisory fee: No more than $30 per $10,000 invested.3
A personal financial advisor is a professional who provides customized financial guidance and planning based on an individual’s specific goals and financial situation. With this option, you’ll experience:
- Custom investment and financial planning strategies.
- A dedicated Certified Financial Planner™ (CFP®).
- A personalized plan based on 30+ data points specific to you.
- A tax strategy that addresses Social Security, Roth conversions, and account withdrawal order in the context of your spending needs and legacy goals.
Call us at 877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
Vanguard Personal Advisor Wealth Management™
$5M+ minimum to qualify.
Annual advisory fee: No more than $30 per $10,000 invested.3
Wealth management is a comprehensive financial service that combines investment advice, estate planning, tax services, and other financial strategies to grow and protect an individual’s wealth. To support the complexity of your higher wealth, you’ll receive:
- All the benefits of Personal Advisor Select.
- Advice from a dedicated CFP professional.
- Exclusive investing solutions, including private equity and closed funds.
- Wealth and estate planning.
Call us at 800-814-6203
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
Unsure whether you need a financial advisor? Take our quiz to see.
Compare advice options
This table compares our four advisory services side-by-side so you can quickly find the one that best meets your needs.
| Digital Advisor | Personal Advisor | Personal Advisor Select | Wealth Management | |
|---|---|---|---|---|
| Minimum to qualify | $1001 | $50,0001 | $500,000 | $5M+ |
| Annual advisory fee (cost per $10,000) | Approximately $15-$162 | Approximately $30-$312 | No more than $303 | No more than $303 |
| No advisory fees for 90 days4 | — | — | — | |
| Access to an advisor | — | |||
| Access to a dedicated advisor | — | — | ||
| Access to a dedicated team of specialists | — | — | — | |
| Active portfolio options | ||||
| Automated tax-loss harvesting5tooltip icon | ||||
| Personal trust services | — | — | ||
| Tax-Efficient Retirement Strategy | — | — | ||
| Legacy & estate planning | — | — | — |
Frequently asked questions
What is the difference between having access to an advisor and access to a dedicated advisor?
Having access to an advisor means you can speak with someone from our advisory team, as needed, while access to a dedicated advisor means you work with one specific advisor who knows your full financial situation and provides ongoing personalized guidance.
What’s included in personalized financial planning?
A personalized financial plan created by dedicated advisor—who is also a Certified Financial Planner™ (CFP®)—typically includes a comprehensive and tailored approach to your financial life. Here’s what is generally included:
- A clear roadmap for your goals, like retirement or major purchases.
- An investment strategy aligned with your risk tolerance and timeline.
- Tax-smart approaches to help you keep more of what you earn.
- Ongoing updates as your life changes, so your plan stays on track.
What does an investment advisor do?
An investment advisor helps you create and manage a plan to reach your financial goals. They provide guidance on investments, tax strategies, and ongoing adjustments as your life changes.
Does Vanguard provide free investment advice?
Although we don’t provide free investment advice, we do have helpful educational resources available to all investors at no cost.
Will I have access to 24/7 customer service?
While we don’t have 24/7 phone or chat services, you can access your account online anytime. Our investment professionals are available by phone to help with your questions Monday through Friday from 8 a.m. to 8 p.m. Eastern time. Depending on the advice service you select, you also may have a dedicated advisor to contact.
What is automated investing?
Automated investing uses digital platforms to build and manage your portfolio based on your goals and risk preferences, giving you control, convenience, and confidence without the complexity of doing it all yourself.
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Investment products
1For the 10-year period ended December 31, 2025, 6 of 6 Vanguard money market funds, 72 of 104 Vanguard bond funds, 21 of 23 Vanguard balanced funds, and 176 of 193 Vanguard stock funds—for a total of 275 of 326 Vanguard funds—outperformed their Lipper peer-group averages. Results will vary for other time periods. Only mutual funds and ETFs (exchange-traded funds) with a minimum 10-year history were included in the comparison. Source: LSEG Lipper. The competitive performance data shown represent past performance, which is not a guarantee of future results. View fund performance.
For more information about Vanguard funds or ETFs, visit vanguard.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.
Vanguard ETF Shares are not redeemable with the issuing Fund other than in very large aggregations worth millions of dollars. Instead, investors must buy and sell Vanguard ETF Shares in the secondary market and hold those shares in a brokerage account. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling.
All investing is subject to risk, including the possible loss of the money you invest.
Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, 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.
Research our firm with FINRA’s BrokerCheck.
Investment Adviser Form Client Relationship Summary (Form CRS) (PDF)
Broker-Dealer Form Client Relationship Summary (Form CRS) (PDF)