Grove Street Fiduciary, Inc. is a Independent, Fee-Only Registered Investment Advisor located in Peterborough, NH. %PDF-1.6 %���� Please review the Form CRS and Vanguard Personal Advisor Services Brochure for important details about the service, including its asset-based service levels and fee breakpoints. You can opt out at any time. The average fees do not consider other costs, including underlying product costs, transaction costs, or other account costs. We plan ahead, stress-testing your portfolio against thousands of possible scenarios. At that time, you can decide whether the plan and the service are a good fit for you—with no obligation. The average fees are based on households with assets of $1 million to $1.5 million. You can get started online or by phone. making low-cost, passive investing the trend it is today. You have to make complex financial decisions (Social Security, health care funding, or withdrawing retirement savings) and want help making these decisions. We've always believed that successful investing can be simpler than many people think, but decades of experience have taught us that not everyone is as passionate about investing as we are—and that's okay. That's $3 in fees for every $1,000 in your portfolio, which covers access to a financial advisor, your customized goals-based financial plan, and ongoing investment advice. Our highly respected investment managers, researchers, strategists, and economists have developed a deep expertise in all areas of investing. Vanguard Digital Advisor® services are provided by Vanguard Advisers, Inc. (“VAI”), a federally registered investment advisor. Focusing on investors' best interests is what Vanguard was built on. Then you'll schedule a time to meet with an advisor and you're on your way! Vanguard Personal Advisor Services is held to fiduciary standards under applicable regulations. Connect with Vanguard® 877-662-7447 1 October 21, 2020 Vanguard Advisers, Inc. 100 Vanguard Boulevard Malvern, PA 19355 877-662-7447 vanguard.com This brochure provides information about the … When you’re ready, we put your plan into action. Learn more about our investment philosophy and company history. Vanguard and Charles Schwab have both made their names as retail firms that offer personal financial services and investment advice. The services provided to clients who elect to receive ongoing advice will vary based upon the amount of assets in a portfolio. �]�gX ���ݻ�^����+B�KѿF��>T���?#��Sot�Z67�D�S=�f���� ����r�E4�"qڞ�y�G�����.6D�KSs|4�-"Ҕ�2�pz�# 2Vanguard Personal Advisor Services is the Digital Investing Brand of the Year, receiving the highest numerical Equity Score and the highest numerical score relating to Trust and Love among digital investing brands included in the 2020 Harris Poll EquiTrend Study, which is based on opinions of 39,100 U.S. consumers ages 15 and over surveyed online in January 2020. Having a trusted advisor by your side can help you feel confident about your future. Safe-Harbor-IRA ® is an automatic rollover IRA program developed by Centier Bank exclusively for missing or non-responsive terminated plan participants. AMCs range from personal money … (In fact, many of the robo-advisors mentioned above construct their portfolios using mostly Vanguard funds). Your opinion may differ. We keep track of your progress with ongoing maintenance and quarterly rebalancing as needed to help make sure you’re on course to meet your goals. This site is designed for U.S. residents. Once your plan is created (within a few weeks), you'll meet with an advisor again to go through it. An asset management company (AMC) invests pooled funds from clients into a variety of securities and assets. This illustration is hypothetical and does not represent an actual client portfolio. Learn more about our investment philosophy and company history, Form CRS and Vanguard Personal Advisor Services Brochure. For people who aren't as interested in creating and monitoring an in-depth financial plan (or delving into the nuances of asset allocation, rebalancing, taxes, and goal prioritization), we're here to help. You'll pay 0.30% of assets under management. Unless otherwise noted, all data is reported as of December 31, 2019. Our advisors use their best thinking, innovative technology, and our time-tested investment philosophy to create your comprehensive financial plan. PAS clients at the same asset level will be assessed a 30bps advisory fee. The advisor will get to know you, answer any questions you have, and make sure we have everything we need to build your customized financial plan. (Meaning our advisors are required to act in your best interests at all times.) The services provided to clients who elect to receive ongoing advice will vary based upon the amount of assets in a portfolio. Please review the Form CRS and Vanguard Personal Advisor Services Brochure for important details about the service, including its asset-based service levels and fee breakpoints. Welcome to the Safe-Harbor-IRA ®. See a sample snapshot of a financial plan. Individual accounts (mutual fund or brokerage). We were founded on the mission to take a stand for investors to help give them the best possible chance for success. Vanguard mutual fund accounts are held directly with The Vanguard Group, Inc., the funds’ transfer agent. 1Source: PriceMetrix by McKinsey. Then you'll set up a time to speak to an advisor. We share it with you, walk you through it, and answer all your questions before you commit to anything. It's tough to stick to a long-term plan or you often react to market volatility. The minimum amount you'll need to have an advisor manage is $50,000. Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company. You'll need a minimum of $50,000 in managed assets, and we'll waive any fund minimums for you. Please review the Form CRS and Vanguard Personal Advisor Services Brochure for important details about the service, including its asset-based service levels and fee breakpoints. We’ll partner with you to revise your plan when needed. Our advisors value true partnerships. What is the annual fee for Vanguard Personal Advisor Services? We also believe that talking to an advisor can be helpful if things get a bit stormy, whether it's in the market or your personal life. PriceMetrix’s data set covers nearly half of retail assets managed by full-service financial advisors. You'll get a detailed analysis, evaluating multiple factors that can impact your cash flow—plus one-on-one support from your advisor when you need to talk things through. “Highest Ranked” was determined by a pure ranking of a sample of digital investing brands. We'll also need an estimate of your income and spending needs, as well as information on any non-Vanguard assets or income (including an approximation of your expected Social Security benefits). You want a smart strategy to save for things like: funding your retirement, saving for college tuition, buying a home, or starting a business. Our advisors are salaried and don’t earn commissions. The following types of Vanguard accounts count toward the minimum: We can't manage the following types of accounts (and they don't count toward the minimum), but we can still include them in your plan and give you guidance that you can implement yourself: Vanguard is one of the largest investment companies in the world with decades of experience and global recognition. 2853 0 obj <> endobj 2872 0 obj <>/Encrypt 2854 0 R/Filter/FlateDecode/ID[<45A77BD479490C4A9A993C5BAAA2E7C1><10735FDF668C45D1B7A304D477BAEACB>]/Index[2853 28]/Info 2852 0 R/Length 99/Prev 567228/Root 2855 0 R/Size 2881/Type/XRef/W[1 3 1]>>stream Vanguard Disclosure - All investing is subject to risk, including the possible loss of the money you invest. * (If you have less than that, consider Vanguard Digital Advisor™.) Monday through Friday, 8 a.m. to 8 p.m., Eastern time. *If you only have assets in an employer-sponsored plan account eligible for Vanguard Personal Advisor Services, the minimum to enroll is $250,000 or more in manageable retirement plan assets. How do I log on to my Trust Services account? The yearly fee is broken into 4 payments, billed quarterly. Services Brochure October 21, 2020 Vanguard Advisers, Inc. 100 Vanguard Boulevard Malvern, PA 19355 877-662-7447 vanguard.com Connect with Vanguard® > 877-662-7447 1 This brochure supplement provides information about Vanguard Personal Advisor Services® advisory services under Vanguard Advisers, Inc. (“VAI”), the registered On top of that, our financial advisors are ready to help when you need it, by phone, email, or videochat. h�bbd```b``Q��WA$�0[D2K��9`M�V�D�Z��f`��2,~,2L��x+ ��yH��������l#�?��'� E�I endstream endobj startxref 0 %%EOF 2880 0 obj <>stream Brokerage account All assets in your Vanguard Brokerage Account, including Vanguard mutual funds, will be held by Vanguard Marketing Corporation. Monday through Friday8 a.m. to 8 p.m., Eastern time. Be ready to tell us about your investment objectives for funding your retirement, saving for college, paying off debt, buying a home, or other goals, and a timeline for each one. Vanguard Personal Advisor Services might be a good fit for you if: If you're looking for an advisor who will identify "hot" investment trends and actively trade to beat the market, Vanguard Personal Advisor Services is NOT the right fit for you. First, you'll fill us in on some information (things like your needs and goals, including a timeline for each, and information on your non-Vanguard assets). We know that there's no one-size-fits-all approach to financial planning. We may also send you other Vanguard information you might be interested in. If we manage a substantial amount of assets for you, the cost of the service gets even lower. You don't enjoy making investment decisions or you'd rather spend your time doing other things. We get to know you, your goals, and your dreams. Can I be a successful investor without a Vanguard advisor? Vanguard Digital Advisor Brochure February 5, 2021 Vanguard Advisers, Inc. 100 Vanguard Boulevard Malvern, PA 19355 877-662-7447 vanguard.com This brochure provides information about the qualifications and business practices of Vanguard Digital Advisor™, an advisory service offered through Vanguard Advisers, Inc. (“VAI”) (also Eligible employer-sponsored plan accounts.*. You believe in the power of diversification, low costs, and a long-term view. What's the minimum amount I need to invest? Average fees are based on data contained in PriceMetrix’s proprietary database, representing more than 25 North American wealth management firms that represent 65,000 financial advisors. k������������u�}�9W��IŖ�m~m\ny�^\����| ��'�)�c�@=�ˬ��P����;"�i?���"i��ཛ��L��� �tQ���_�3 endstream endobj 2854 0 obj <>>>/Filter/Standard/Length 128/O(m|�i6�枨p�];g�# \)p��u����� )/V 4>> endobj 2855 0 obj <. Vanguard is client owned. From how to maximize your retirement income to knowing the appropriate investment strategy based on your goals—it can be a lot to think about. They have no financial incentives to recommend certain products and will create a plan that's goal-driven, not market-driven. They’ll work closely with you to create a personalized plan to help you reach your goals and are available to connect whenever you have questions. Note that full-service advisors, including PAS, may provide a tiered-fee structure based on the level of assets being managed, and may require a minimum asset level to manage the accounts. All investing is subject to risk, including the possible loss of the money you invest. ƾaR���D���WVR&�عg>��}���z2��vjs���K��+����$%a̚�%p�{us�x�Q� )����ۤ�U�Z��T.���$>�DU�@rX��TU;F�2Fe���JlQO�>K�H���`Jӽ%��VEK�^OAu�S:n6���(�2QU{�w����Ω�����;._x�:'2�ְ�Յ[χ nFd��-*?��,u��wA�ќ Vanguard Personal Advisor Services . (Note that this fee doesn't include investment expense ratios, but we generally recommend using low-cost Vanguard funds to build your portfolio.). See what Vanguard Personal Advisor Services can do for you. You'll get access to the best thinking of these Vanguard experts along with a customized plan based on your personal goals that applies our methodologies to your situation. Your former employer has made Centier the trustee of your automatic rollover, meaning your plan balance is now in a Safe-Harbor-IRA ®. How do I know if Vanguard advice is right for me? The services provided to clients who elect to receive ongoing advice will vary based upon the amount of assets in a portfolio. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. VAI is a subsidiary of VGI and an affiliate of VMC. Other investment accounts you hold outside of Vanguard. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. The questions we ask help us see your bigger financial picture and craft a plan that’s truly unique to you, not the market. And they’ll use the low-cost funds and investment strategies Vanguard is known for. 3Exemplary Stewardship nominees must have received a "positive" Parent pillar rating from Morningstar's manager-research analysts, which indicates the firm's stewardship practices exceed the industry standard. Our unique, client-owned structure keeps us focused on investor needs first. How do I know your advisors will focus on my best interests? You can do this online or over the phone. The annual cost for Vanguard Personal Advisor Services is just 0.30% of the assets we manage for you. While Vanguard Advisers, Inc. doesn't have advisors located in every state, we’re available to help you nationwide over the phone or virtually. Vanguard is the world’s largest mutual fund company and is responsible for . Also, our advisors don't receive commissions. We all have questions when it comes to money. (You want someone else to keep an eye on your portfolio for you.). As a client-owner, you own the funds that own Vanguard.