Vanguard Personal Advisor

Vanguard's Personal Advisor service blends human financial advisors with digital portfolio management, creating a hybrid approach for investors who want personal guidance alongside automated investing. Advisors work with you to develop a retirement income strategy, help optimize Social Security claiming decisions, and manage tax-efficient withdrawals from your accounts. The 0.30% annual fee applies to assets under management, making it accessible for investors with six-figure portfolios who want professional attention.

Retirees benefit significantly from this blend of human judgment and algorithmic management, particularly during the transition from saving to withdrawal mode. For those who want an advisor's perspective on major life decisions but prefer not to pay hourly rates for ongoing contact, this middle ground between robo-advising and full-service wealth management hits a practical balance.