Looking for trusted financial advice? | Livingston, New Jersey

You'll pay 0.30% of assets under management, which is $3 in fees for every $1,000 in your portfolio. This fee covers access to a financial advisor, your customized goals-based financial plan, and ongoing investment advice. (Note that this fee doesn't include investment expense ratios, but we generally recommend using low-cost Vanguard funds to build your portfolio.).

You'll need a minimum of $50,000 in investable assets to be managed, and we'll waive any Vanguard fund minimums for you. The following types of Vanguard accounts count toward the minimum:

• Individual accounts (mutual fund or brokerage)
• IRAs
• Trust Accounts

We can't manage the following types of accounts (and they don't count toward the minimum), but we can still include them in your plan and give you guidance that you can implement yourself:

• 401(k) and 403(b) accounts
• i401(k) accounts
• 529 accounts
• UGMA/UTMA accounts
• Other investment accounts you hold outside of Vanguard

Vanguard is one of the largest investment companies in the world with decades of experience and global recognition. Our highly respected investment managers, researchers, strategists, and economists have developed a deep expertise in all areas of investing. You'll get access to the best thinking of these Vanguard experts along with a customized plan based on your personal goals that applies our methodologies to your situation. On top of that, our financial advisors are ready to help when you need it, by phone, email, or video chat.

Vanguard Personal Advisor Services might be a good fit for you if you:

• Have questions about investing.
• Want a smart strategy to save for things like retirement, college tuition, buying a home, or starting a business.
• Don’t enjoy making investment decisions, or would rather spend your time doing other things while someone else keeps an eye on your portfolio for you.
• Find it tough to stick to a long-term plan or often react to market volatility.
• Need help making complex financial decisions about things like Social Security, health care funding, or withdrawing your retirement savings.
• Believe in the power of diversification, low costs, and a long-term view.

If you're looking for an advisor who will identify "hot" investment trends and actively trade to beat the market, Vanguard Personal Advisor Services probably isn’t the right fit for you.

Focusing on investors' best interests is what Vanguard was built on. We were founded on the mission to take a stand for investors to help give them the best possible chance for success. Vanguard Personal Advisor Services is held to fiduciary standards under applicable regulations, which means our advisors are required to act in your best interests at all times. Also, our advisors don't receive commissions.

We've always believed successful investing can be simpler than many people think, but decades of experience have taught us that not everyone is as passionate about investing as we are---and that's okay. For people who aren't as interested in creating and monitoring an in-depth financial plan (or delving into the nuances of asset allocation, rebalancing, taxes, and goal prioritization), we're here to help. We also believe talking to an advisor can be helpful if things get a bit stormy, whether it's in the market or your personal life.

First, you'll share some information about your needs, goals, a timeline for each goal, and information on your non-Vanguard assets. You can do this online or over the phone. Then you'll set up a time to speak with an advisor. The advisor will get to know you, answer any questions you have, and make sure we have everything we need to build your customized financial plan. Once your plan is created (within a few weeks), you'll meet with an advisor again to go through it. At that time, you can decide whether the plan and the service is a good fit for you, with no obligation.

You can get started online or by phone. Be ready to tell us about your objectives for retirement, college, paying off debt, home buying, or other goals, and a timeline for each one. We'll also need an estimate of your income and spending needs, as well as information on any non-Vanguard assets or income. Then you'll schedule a time to meet with an advisor and you're on your way!