Vanguard Advisers offers the Vanguard Situational Advisor service, which provides retirement plan participants with point-in-time financial wellness evaluations and personalized financial plans. The service focuses primarily on retirement planning, investment strategies for retirement accounts, and guidance on navigating major life events. Advisors help clients determine asset allocations and recommend specific low-cost Vanguard mutual funds, exchange-traded funds, and collective trusts based on the options available in their employer-sponsored retirement plans. The service is strictly point-in-time advice, meaning Vanguard Advisers does not provide ongoing portfolio monitoring, management, or rebalancing; clients remain solely responsible for implementing transactions. Vanguard Advisers acts as a fiduciary under federal retirement plan rules when advising retirement plan assets. The firm specializes in retirement planning and serves everyday investors participating in employer-sponsored plans.
Fee Structure
- Retirement plan consultation and financial plan (New model) — $250 for the consultation and plan, unless a lower fee was agreed upon with your plan sponsor.
- Retirement plan consultation and financial plan (Legacy model for accounts $50,000 to $500,000) — $250, unless you qualify for a fee waiver (waivers apply if you have over $500,000 in total Vanguard assets or are over age 55).
- Retirement plan consultation and financial plan (Legacy model for accounts under $50,000) — $1,000, unless you qualify for a fee waiver.