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Keep more of what you invest.
Get access to an advisor when you need it for an approximate 0.30% – 0.31% advisory fee in an all index portfolio.1
See how we tailor advice to you
$50,000
in minimum assets to enroll2
The 4 benefits of Vanguard Personal Advisor®
Define and track your goals
Enjoy living with less mental math. Personal Advisor’s advanced technology breaks down your investing goals and maps your progress for you, helping you see where your money stands at any point—from anywhere—on your laptop, tablet, or phone. And with access to an advisor, you can get the guidance you need to prioritize funding your goals.
Help reduce your investing stress
Why inflate your already packed to-do list? Instead, spend more time doing what you actually enjoy. With automated investment management built on Vanguard’s DNA and a plan personalized to your goals, you can accomplish more while doing less.
Are you looking to combine your financial vision with your partner’s or spouse’s? Enroll as a couple to help improve tax efficiency and receive a shared strategy for your household.
Build your future on a solid foundation
Don’t get caught up in the next investing fad. Vanguard’s 4 investing principles are grounded in the long-term vision of giving you—and all investors—the best chance of success. With help from experienced advisors, strategies like tax-loss harvesting*, and a belief in staying the course, you can trust that Personal Advisor takes a holistic approach to building a healthy financial future.
Give your money a professional partner
Define and track your goals
Money is personal. Your financial advice should be too. With Personal Advisor, help is a phone call away. When life happens—including all things retirement—one of our advisors can help you navigate complex financial situations such as changes in income, adding a partner or spouse to your advised account, a birth or death in the family, and more.
Unique goals deserve personalized strategies
As an advice client, your financial journey drives the diversified blend of ETFs (exchange-traded funds) and mutual funds included in your portfolio—regardless of which investment option you choose.
Already have investments with us?
You may be able to keep some of your current investments when you enroll to lessen tax impacts.
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
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.
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)