Vanguard's advice arm pairs its own index funds with human planners. The main tier starts at a $50,000 minimum and charges roughly 0.30% a year, about $30 per $10,000 invested, a fraction of what a traditional wealth firm bills. From $500,000 the Personal Advisor Select tier adds a named Certified Financial Planner who works on withdrawal order, Roth conversions and tax questions. Portfolios are assembled almost entirely from low cost Vanguard funds and ETFs.
It suits a retiree who already keeps an IRA at Vanguard and wants a steady hand on drawdown without paying one percent a year for it. Anyone expecting regular face to face meetings, or holding a tangled estate or a business, will find the service thin: advisors work by phone and video, and the fund menu stays inside Vanguard's own lineup.
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