Guides › Financial Advisor Fees
Updated September 18, 2026. Quick answer: $50,000 for Personal Advisor (Vanguard Brokerage Account Clients). Vanguard Personal Advisor’s own Form ADV Part 2A brochure states this figure directly, and the brochure does not offer a general waiver for it. At that minimum, Vanguard Personal Advisor’s own published fee schedule works out to $175 a year.
The minimum, in the firm’s own words
“Enrollments in Personal Advisor require an aggregate $50,000 balance or greater in eligible Vanguard Brokerage Accounts.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| Personal Advisor (Vanguard Brokerage Account Clients) | $50,000 | $175 | No stated waiver |
| Source: Vanguard Digital Advisor and Vanguard Personal Advisor Brochure (Form ADV Part 2A), 2026-08-20 | |||
$50,000 at Personal Advisor’s disclosed 0.35% flat rate for the all-index option: $50,000 x 0.35% = $175.
Vanguard Personal Advisor’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $875 |
| $500,000 | $1,750 |
| $1,000,000 | $3,500 |
| $2,000,000 | $7,000 |
What else to know
Vanguard uses a separate enrollment path for retirement-plan Participant Accounts, generally requiring $250,000 unless the participant also enrolls at least $50,000 of Vanguard Brokerage Accounts (the path priced on this page).
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Vanguard Personal Advisor’s own published fee schedule runs $1,750 a year; see the full dollar breakdown from Vanguard Personal Advisor’s own fee disclosure across several account sizes.
Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
Find the right next step for your situation
About how much do you have invested? Pick the range that fits; your next step appears immediately below.
Meeting the minimum is one hurdle. Compare who else would take your account.
If your portfolio is $250,000 or more, this connects you (free, with no obligation to hire anyone) with 2 to 3 vetted advisors.
Before you start, what actually happens. The matching service is run by WiserAdvisor, an independent advisor-matching company. It opens on their site, asks for your ZIP code and a few questions, and matches you with 2 to 3 vetted advisors. It is free to you.
WiserAdvisor states the service is built for portfolios of $250,000 and above. By submitting, you consent to emails, phone calls and text messages from WiserAdvisor and up to three advisors, so expect to be contacted. Clear Money Guide is paid when you complete the form, whether or not you ever hire anyone.
Opens on WiserAdvisor’s site in a new tab.
Below the minimum, or just want a second quote? Price a fee-based alternative first.
Price the destination before you decide. The matching service below introduces you to advisers who pay to meet you.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here; you stay on this page.
What happens when you press the button
It asks about nine questions: age, investable assets, location; then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
Prefer flat-fee or hourly pricing instead? Compare ranges here.
Answer againSources
- Vanguard Digital Advisor and Vanguard Personal Advisor Brochure (Form ADV Part 2A) (2026-08-20): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055528
- SEC Investment Adviser Public Disclosure, Vanguard Advisers, Inc. (CRD #106715): https://adviserinfo.sec.gov/firm/summary/106715
- Vanguard Advisers, Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/106715/PDF/106715.pdf
Methodology. This page was built September 18, 2026, quoting directly from Vanguard Personal Advisor’s own current Form ADV Part 2A / wrap-fee brochure, with the source linked above. The annual-fee-at-the-minimum figure applies that same brochure’s own published fee schedule to the disclosed minimum dollar amount; any distinction we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading the firm’s own Form ADV Part 2A. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Comparing Vanguard Personal Advisor against other options? See Vanguard Personal Advisor alternatives, including a flat-fee route and a robo/hybrid.
Already with Vanguard Personal Advisor and weighing a move? How to leave Vanguard Personal Advisor covers what it costs to transfer out.