Talk to an investment professional
877-665-8495
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
The benefits of working with our financial advisors
Personalized planning
Your dedicated advisor, who’s a Certified Financial Planner® (CFP®) professional, will create a comprehensive, personalized plan that’s designed to help you reach your goals—and to evolve with life changes. Your portfolio is built with world-class technology and powered by the time-tested investment strategies that have made Vanguard an industry leader for 50 years.
Financial value
You get the benefit of smart, complex strategies, like asset location, tax minimization, health care funding, and retirement withdrawal planning—all for a $30 annual advisory fee (cost per $10,000). Because we understand that successful investing isn’t just about what you make, but what you keep.
Peace of mind
You get the confidence of partnering with a skilled advisor as they help you uncover opportunities, help you navigate complex decisions, and offer you guidance during turbulent times. You and your advisor will plan for the expected and unexpected scenarios, working to optimize your outcomes while controlling for risk.
Time savings
You get more time to focus on the things you love, while knowing your investments are in trusted, capable hands. Your advisor can take care of research, tax planning, and ongoing advice, keeping your portfolio aligned with your goals. When you need to check in or ask questions, they’re only a phone call away.
We may also send other Vanguard communications you might like.
You're probably doing a good job managing your investments
But how could a dedicated financial advisor help you achieve more? Answer 3 questions to learn how an advisor can add value to your situation. At the end of the guide, you’ll have the option to request a call to ask more detailed questions about our advisory services.
About Personal Advisor Select
Navigate taxes in retirement
No need to stress about taxes—our advisors can help pre-retirees and retirees age 59½ and older with these 3 key questions:
All-index investment option
Your personalized all-index investment option will center on low-cost Vanguard ETFs®, offering broad diversification covering nearly all aspects of U.S. and international stock and bond markets.
Who benefits from this investment option?
Investors looking for index funds that track broad U.S. and international stock and bond markets.
If you have higher taxable income, we’ll use tax-exempt investments for your U.S. bond allocation in your taxable accounts.**
What are the advisory fees?
$35
You’ll pay no more than $35 per $10,000 annually.2
Active/Index investment option
Your personalized all-index investment option will center on low-cost Vanguard ETFs®, offering broad diversification covering nearly all aspects of U.S. and international stock and bond markets.
Who benefits from this investment option?
Investors looking for index funds that track broad U.S. and international stock and bond markets.
If you have higher taxable income, we’ll use tax-exempt investments for your U.S. bond allocation in your taxable accounts.**
What are the advisory fees?
$35
You’ll pay no more than $35 per $10,000 annually.2
ESG investment option
Your personalized all-index investment option will center on low-cost Vanguard ETFs®, offering broad diversification covering nearly all aspects of U.S. and international stock and bond markets.
Who benefits from this investment option?
Investors looking for index funds that track broad U.S. and international stock and bond markets.
If you have higher taxable income, we’ll use tax-exempt investments for your U.S. bond allocation in your taxable accounts.**
What are the advisory fees?
$35
You’ll pay no more than $35 per $10,000 annually.2
877-665-8498
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
What are your retirement goals?
Our financial advisors can help you develop a retirement income strategy. Learn more about each goal.
Estate planning
Tax strategies
Healthcare costs
Lifestyle support
Helpful resources
Retirement
Retirement income: Spending your savings
Retirement
5 steps for retirement planning
Taxes
Effective tax-saving strategies for investors
Planning for retirement
Planning for health care in retirement
Talk to an investment professional
877-665-8495
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
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.
Talk to an investment professional
877-665-8495
Monday through Friday, 8 a.m. to 8 p.m., Eastern time
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)