How Much Does Vanguard Personal Advisor Cost? Pricing and Fees (2026)
Last updated August 2026
Short answer
Vanguard Personal Advisor charges Low percentage of assets, tiered (verify current). Because that is not a percentage of assets, the cost does not rise as your balance does, which cuts both ways: proportionally cheap on a large account, relatively expensive on a small one. On top of that you pay the expense ratios of whatever funds are held, which every provider passes through. Your money has to live with Vanguard Personal Advisor rather than the broker you already use, and in a taxable account moving it can create a tax bill. Verify current pricing on Vanguard Personal Advisor's own site.
What Vanguard Personal Advisor charges
The headline figure: Low percentage of assets, tiered (verify current), for human advice at a low percentage, if you accept Vanguard funds. Above a stated minimum you get a managed portfolio of Vanguard funds plus access to advisors for planning, at a percentage well below the industry norm. At lower balances that access is to a team rather than a dedicated advisor; a higher tier assigns a named CFP professional.
What you still pay on top
- Fund expense ratios. Whatever ETFs or funds sit inside the portfolio charge their own fee, deducted inside the fund rather than billed to you. A broad index fund is often 0.03% to 0.10%; a specialist fund charges more.
- Trading costs. Commissions where they apply, plus the bid-ask spread on everything bought and sold, which is real even where the commission is zero.
- Tax. Moving money into Vanguard Personal Advisor from an existing taxable account usually means selling, and selling can create a capital gain. That one-off cost is easy to overlook when comparing annual fees.
Vanguard Personal Advisor pricing against the alternatives
| Product | Cost | Holds your money? | What the fee buys |
|---|---|---|---|
| Vanguard Personal Advisor | Low percentage of assets, tiered (verify current) | No (holds your money at Vanguard) | Human advice at a low percentage, if you accept Vanguard funds |
| Betterment | ~0.25%/yr | No (holds your money) | Set-and-forget automated investing |
| Wealthfront | ~0.25%/yr | No (holds your money) | Hands-off investing with planning built in |
| SoFi | Free automated investing | No (holds your money) | Beginners in one money app |
| Schwab Intelligent Portfolios | No advisory fee; ETF expenses apply (verify current) | No (holds your money at Schwab) | Hands-off investing with no advisory fee, if you accept the cash allocation |
Comparing on headline price alone misses the more consequential variable, which is whether your assets have to move. A product that manages money it holds is doing a different job from one that reads an account you already have, and the fee difference reflects the work rather than a discount.
Where Walnut fits on price
Since this is our site, plainly: Walnut is free. There is no paid plan, no subscription and no fee on assets, because it connects the brokerage you already have rather than taking custody of your money, so there are no assets under management to charge on. You still pay your broker's commissions and your funds' expense ratios, which you would pay anyway. The full breakdown is on the Walnut pricing page.
That is not automatically the better deal. Vanguard Personal Advisor charges Low percentage of assets, tiered (verify current) because it does something Walnut deliberately does not: it manages the money for you, and the discipline of automation is worth paying for if the alternative is that you never get round to it. Free is only cheaper if the free thing does what you actually need.
FAQ
How much does Vanguard Personal Advisor cost?
Low percentage of assets, tiered (verify current). It is not charged as a percentage of your assets, so the cost stays the same as your balance grows. That makes it proportionally cheaper on a large account and relatively expensive on a small one.
Is there a minimum to open a Vanguard Personal Advisor account?
Minimums change and are set by the provider, so the only reliable source is Vanguard Personal Advisor's own site. What is worth knowing generally: robo-advisors that hold your money often set an account minimum, while tools that connect to a brokerage you already have usually do not, because there is nothing to fund.
What else do you pay on top of the Vanguard Personal Advisor fee?
Usually the expense ratios of the funds held inside the portfolio, which are deducted within each fund rather than billed to you, plus any trading costs your broker charges. Those exist regardless of which provider you use. In a taxable account, selling to move money between providers can also create a tax bill, which is a real cost people forget to count.
Does Vanguard Personal Advisor's pricing scale with my balance?
No. A flat subscription costs the same whether you hold $5,000 or $5,000,000, which is the opposite of a percentage-of-assets model. On a large account that is a considerable advantage; on a small one it is a considerable drag.
Does Vanguard Personal Advisor charge to connect my existing brokerage?
No (holds your money at Vanguard). Where a product holds your money instead of connecting to your broker, the question does not arise: you fund an account with them and the management fee covers it. Where it does connect, the connection itself is normally included rather than billed separately.
Is Vanguard Personal Advisor worth the money?
That depends on whether you would otherwise do the work yourself. Paying a percentage of assets buys automation and the discipline of not interfering, which has real value for people who would otherwise tinker. Paying nothing and doing it yourself only wins if you actually do it. Neither answer is right for everyone, and the honest test is what you would do in a month where the market falls.
Is Vanguard Personal Advisor cheaper than the alternatives?
Within hands-off automated investing (robo-advisors), Vanguard Personal Advisor charges Low percentage of assets, tiered (verify current) against Betterment at ~0.25%/yr, Wealthfront at ~0.25%/yr, SoFi at Free automated investing. Price is only half the comparison though: whether your money has to move, and what you get for the fee, decide more than the headline rate.
Where can I confirm Vanguard Personal Advisor's current pricing?
On Vanguard Personal Advisor's own site. Fees, tiers and minimums change, and this page is maintained by a competitor rather than by Vanguard Personal Advisor, so treat every figure here as a point-in-time guide to be verified rather than a quote.
Walnut publishes this page and competes with Vanguard Personal Advisor, so read it as an informed assessment rather than an independent one. It is built from publicly available information about the product, not from collected user reviews, and it carries no star rating because we have not surveyed Vanguard Personal Advisor's customers. Pricing, features and availability change; verify current details on Vanguard Personal Advisor's own site before deciding. Walnut is informational and is not an investment adviser. Nothing here is a recommendation to buy, sell, or hold any security or to use any particular product.