![]() Supplementing advice from influencers with guidance from a professional financial advisor can help you create a grounded plan for managing money.Ī personal finance influencer is someone who uses social media platforms to offer tips and insight on money to their followers.Financial advice offered by influencers may be free, but it may not always be accurate or suited to your individual situation.Professional financial experience or education isn’t necessarily a qualification to becoming an influencer many draw on their own experiences instead.Personal finance influencers share money insight and tips with their followers across social media channels, blogs, and podcasts.Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses. VAI and VNTC are subsidiaries of the Vanguard Group, Inc., and affiliates of Vanguard Marketing Corporation. Find VAI’s Form CRS and each program’s advisory brochure here for an overview. The services provided to clients will vary based upon the service selected, including management, fees, eligibility, and access to an advisor. (“VAI”), a registered investment advisor, or by Vanguard National Trust Company (“VNTC”), a federally chartered, limited-purpose trust company. Vanguard’s advice services are provided by Vanguard Advisers, Inc. Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard. Our retail direct investment advisory strategies, in turn, are built on core investments in the Vanguard funds. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus read and consider it carefully before investing. We recommend that you consult a tax or financial advisor about your individual situation.įor more information about Vanguard funds or Vanguard ETFs, visit to obtain a prospectus or, if available, a summary prospectus. We recommend that you carefully review the terms of the consent and consult a tax advisor before taking action.Īll investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss. There may also be unintended tax implications. *Tax-loss harvesting involves certain risks, including, among others, the risk that the new investment could have higher costs than the original investment and could introduce portfolio tracking error into your accounts. You can also get important details about this service, including asset-based service levels and fee breakpoints, in the Vanguard Personal Advisor Select Brochure. To review some questions you should ask if you're considering financial advice, read the Advisor Client Relationship Summary (Form CRS) conversation starter questions. If you're looking for an advisor who will identify "hot" investment trends and actively trade to beat the market, Personal Advisor Select is NOT the right fit for you. You want help managing your investments in a tax-efficient manner and want to take advantage of tax-loss harvesting.*.You believe in the power of diversification, low costs, and a long-term view.You have to make complex financial decisions (Social Security, health care funding, or withdrawing retirement savings) and want help making these decisions.It's tough to stick to a long-term plan or you often react to market volatility.(You want someone else to keep an eye on your portfolio for you.) You don't enjoy making investment decisions or you'd rather spend your time doing other things.You want a smart strategy to save for things like: funding your retirement, saving for college tuition, buying a home, or starting a business.Personal Advisor Select might be a good fit for you if: owns the certification marks CFP® and Certified Financial Planner™ in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Certified Financial Planner Board of Standards Inc. Someone who knows your story-and will make sure your financial plan keeps up when the story changes.Īll investing is subject to risk, including the possible loss of the money you invest.Īdvice services are provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company.ĬFA® is a registered trademark owned by CFA Institute. ![]() Someone who’s by your side during market highs and lows to offer coaching and guidance during emotionally charged moments. You’re getting a relationship.Ī dedicated partner who understands where you’re coming from and where you want to go in your financial life.Īn experienced CFP who works only for you and your goals. When you choose Personal Advisor Select, you’re getting more than just financial advice.
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