Advice

Whether you need a little bit of help planning for retirement or a lot, Vanguard offers several options for advice services that could suit your needs.

Like investing and online tools?
If you like to use online tools and resources to help make your own smart choices about retirement planning, Personal Online Advisor, powered by Financial Engines, might be right for you.

This free service forecasts your chances of reaching your retirement goals, gives you fund recommendations, and helps you monitor your investments.

Want to consult an advisor?
If you want to speak to a professional before making important decisions about retirement planning, Vanguard Financial Planning Services might be right for you.

If you are age 50 or older, you can speak with an advisor free of charge.

Your advisor can help you work through your questions about choosing investments, saving for college, and retiring — or create a complimentary Vanguard Financial Plan. If your situation warrants it, your planner will develop a complete financial plan for you.

If you are under age 50, you can get a financial plan for a fee based on total assets at Vanguard:

Your plan savings Fee Annual checkup
More than $500,000 Waived Included
$50,000 through $500,000 $250 Not included
Less than $50,000 $1,000 Not included

Get your financial plan started
Call Vanguard at 800-310-8952. To receive advice, you need to be a registered user of www.vanguard.com/retirementplans and have internet access to sign a consent form.

Rather leave investing to the professionals?
If you like to have someone you trust take care of your retirement planning needs, the Vanguard Managed Account Program (VMAP™), powered by Financial Engines, might be right for you.

This service offers professional management for your investments in the plan. It will pick your funds for you, invest your money, and periodically make changes to your asset mix to suit your goals.

Each VMAP participant pays fees to Vanguard Advisers, Inc. (VAI), based on a percentage of assets in each account managed by VAI (excluding loan balances) according to the following schedule:

  • 40 basis points (0.40%) per year for the first $100,000
  • 30 basis points (0.30%) per year for the next $150,000
  • 20 basis points (0.20%) per year for the next $250,000
  • 10 basis points (0.10%) per year for assets over $500,000

There is a minimum annual fee of $60 per account. Mutual funds held in a participant’s portfolio are subject to the normal management expenses associated with ownership of mutual funds and other investments as disclosed in the prospectus. Such fees are paid at the fund or trust level and do not reduce the account level fees described on this schedule. Read this Financial Engines FAQ to learn more.

Get started
For more information on these services or to get started today, log on to your account at www.vanguard.com/retirementplans. (If you have multiple accounts at Vanguard, you may need to select Employer plans after you log on.)

All investing is subject to risk, including the possible loss of the money you invest.

The Vanguard Group has partnered with Financial Engines Advisors L.L.C. to provide subadvisory services to the Vanguard Managed Account Program and Personal Online Advisor. Financial Engines Advisors L.L.C. is an independent, federally registered investment advisor that does not sell investments or receive commission for the investments it recommends. Advice is provided by Vanguard Advisers, Inc. (VAI), a federally registered investment advisor and an affiliate of The Vanguard Group, Inc. (Vanguard). Eligibility restrictions may apply. Vanguard is owned by the Vanguard funds, which are distributed by Vanguard Marketing Corporation, a registered broker-dealer affiliated with VAI and Vanguard. Neither Vanguard, Financial Engines, nor their respective affiliates guarantee future results.

Vanguard Financial Planning Services, offered as part of Vanguard Personal Advisor Services, are provided by Vanguard Advisers, Inc., a federally registered investment advisor. Eligibility restrictions may apply.

The following participants will be ineligible to participate in the Vanguard Managed Account Program: Certain officers, directors, and substantial shareholders, including any employees subject to Rule 144 of the Securities Act of 1933, as amended, or Section 16 of the Securities Exchange Act of 1934.

Plan participants with a foreign address are not eligible to participate in VMAP.

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