Compared with Personal Capital, Vanguard is much cheaper. From this experience, Vanguard will probably routinely promote their advisors to higher wealth clients, so as a result, you need to get reacquainted with another person, who will be handling your $$$. See fees data for Vanguard Dividend Growth Fund (VDIGX). If Iâm a simple, target date investor, what would the advantages be of signing up for Vanguardâs roboadvisor and incurring the additional .30% service fee? Vanguard Personal Advisor Services builds on the Vanguard reputation of deliveringÂ low-fee investment products by offering a full-service investment management relationship for a bargain of 0.30% in annual fees. Further, the fact that they have no tax loss harvesting is actually incredible in this day and age. 0.3% compared to other outside services seems reasonable, but after having this service and a portfolio based on index funds, you can essentially do the same thing on your own with a target date fund (doesn’t seem as elaborate, but this is what this service boils down to). When evaluating offers, please review the financial institution’s Terms and Conditions. My 3 top holdings are the Vanguard Stock Market Index Fund, the Vanguard International Stock Index Fund and the Vanguard Capital Opportunity Fund. They won’t be managed directly by Vanguard advisors, but the advice you get will be comprehensive. In many ways, that benefits investors. NerdWallet's ratings are determined by our editorial team. However, it allows Vanguard to take a cut twice; once with the management fee and again with fund expense ratios. Transaction costs are the costs that the fund incurs when it … The financial plan will be customized to the client'sÂ unique financial situation. I was passed on to a new advisor who was less experienced. Vanguard, though, has some pretty steep fees for checkwriting and debit card privileges. Most advisors are certified financial planners; all are fiduciaries and compensated with salary instead of commissions. Although Personal Capital could potentially be cheaper depending on your portfolio structure since they might not manage your entire portfolio (and therefore not charge a % fee on all assets). Most of these advisors are certified financial planners, and they're all fiduciaries. The advisors will help you adjust your investments as needed and send you quarterly progress reports. Anna-Louise Jackson also contributed to this review. See fees data for Vanguard Target Retirement 2025 Fund (VTTVX). Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. In many ways, that benefits investors. Customer service hours are Monday to Friday, 8 a.m. to 8 p.m. Eastern time. Vanguard funds are well-diversified, tightly track the underlying index and carry some of the lowest expense ratios available. If you're already a Vanguard client: Call 800-888-3751. The advisor will never recommend funds that are not on the core list. That amounts to $150 per year on a $50,000 managed account or $1,500 per year on a half million dollar portfolio. So, if you’re financially literate, you can probably do it yourself using Vanguard free website tools but if you’re clueless on finances then this service is good place to start. of brokerage and individual retirement accounts, as well as trusts. What is the annual fee for Vanguard Personal Advisor Services®? The Vanguard Group, Inc. is one of the world's largest investment management companies and a leading provider of company-sponsored retirement plan services. Clients must move money into a Vanguard account and may miss tax-loss harvesting (offered by competing planning services), though there are other tax strategies in place. Vanguard advisors use only Vanguard mutual funds and ETFs, which do not incur brokerage commissions at Vanguard. Factors we consider include advisory fees, user-experience, customer service and mobile technology. The fees are straightforward and advisors don't have vested interests in up-selling you on expensive and unnecessary financial products just to make a few more bucks on commissions. Despite the limitations of no tax-loss harvesting and the requirement to move assets onto its platform, Vanguard provides a compelling offering. What I love about Vanguard is that they are owned by the funds themselves. When looking across the list of online planners NerdWallet reviews, Vanguard’s low fees and relatively lower minimum stand out compared with similar hybrid services such as Betterment Premium and Schwab Intelligent Portfolios Premium. Here’s the breakdown for the year: 0.55% on assets below $5 million $27,500 0.30% on assets from $5 million to below $10 million $15,000 0.10% on assets from $10 million to $20 million $10,000 Total annual fee $52,500. Helping make finance easy. Most of my net worth is tied up in Vanguard – I would say more than 70%. In the meantime, I went on the Vanguard website and completed an on-line form which gives you a suggested portfolio. hi, i am weighing a change having worked with an hourly advisor periodically for about 5-6 years now…(after working with 1%/year advisors) – I have a number of VG funds – everything is in Schwab accts., though. Our estimates are based on past market performance, and past performance is not a guarantee of future performance. The core funds are highly recommended and a client needs to jump through many hoops to include a fund not on the list. Worth a call to both probably. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Clients must move money to Vanguard but can keep outside investments if there are embedded gains or other reasons to do so. It also lacks tax-loss harvesting, which some more sophisticated investors may want. Yes, I understand asset location very well. That amounts to $150 per year on a $50,000 managed account or $1,500 per year on a half million dollar portfolio.Â The fees become less pricey the higher up the investment ladder you go: *Please note, the fee is billed quarterly to you account. Clients who want daily monitoring for tax-loss harvesting opportunities may not be happy with this approach. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Vanguard Personal Advisor Service offers a mix of robo investing advice and real, live human professionals. I trust them with over a half million of my own dollars. For Vanguard PAS, clients must open a Vanguard brokerage account and move assets over. Vanguard has been commission-free on all of its mutual funds since 1977, on all Vanguard ETFs since 2010, and on nearly every ETF in the industry since 2018. ... management fees… One more clarification that I need to make – Vanguard is NOT the lowest cost offer anymore in this space. Vanguard has approximately $6.2 trillion in global assets under management (as of 1.31.2020). just a note. That's $3 in fees for every $1,000 in your portfolio, which covers … Read more. All ETFs are subject to management fees and expenses; refer to each ETF’s prospectus for more information. And it hardly ever gets rebalanced, since the market has been more or less steady. Vanguard Brokerage Services ® assesses the fee if the total Vanguard assets (Vanguard mutual funds and ETFs) in the account are less than $10,000. Website less user-friendly than some competitors. Our opinions are our own. I wondered, if you work with a Vanguard advisor, can you specify that you prefer ‘managed’ vs indexed Vanguard funds in any given category? , Vanguard is much cheaper. The information on Investor Junkie could be different from what you find when visiting a third-party website. 0.05… Personal Capital has a $100,000 account minimum and charges 0.89% for accounts up to $1 million, though clients get access to one or two dedicated financial advisors, depending on their account balance. The system accepts American Express, Visa, Master Card and Discover Card. I believe VPAS uses all Vanguard indexed funds. The next one may not provide that safety valve since rates are so low. 2. They are going to pair me up with someone who only has 2 years of experience. This fee covers our management of the fund you invest in. This may influence which products we write about and where and how the product appears on a page. Account management, planning or subscription fee. Why not just go with their retirement funds. The difference between the Advisor’s suggested portfolio (using the 10,000 simulations) and the easy on-line suggested portfolio was virtually identical. Vanguard Personal Advisor or Personal Capital. Progress reports are sent out quarterly. These people for a fee get a human being as an advisor and get a level of service that is quite high. Previously she was a senior financial advisor and sales manager at Merrill Lynch. With their reasonable minimum and low fee it’s hard not to want to give this service a try. This fee … However, clients can contact their advisor any time they would like and as often as they would like. For more information, please read our. The fee is a flat 0.30% of all assets under management. (ETFs represent baskets of shares that trade like a stock). It is the largest mutual fund manager in the world and the second-largest provider of exchange-traded funds (ETFs). I have been using this Vanguard Personal Advisors Services since 2014 when it was introduced, so I hope I can give a different perspective. Vanguard Personal Advisor Services combines personalized financial planning, virtual planning tools and an enduring fund lineup. Given the low cost of the underlying Vanguard funds in their recommended portfolios, the full-service Personal Advisor Services total management fees will come in around 0.50% or less. However, it's doesn't come cheap, with a required minimum deposit of $50,000. This advisory service though is straight out of 1998. Here are our top picks for best robo-advisors. Some funds like the REIT Index or Gold and Precious Medals are not allowed at all. You'll pay 0.30% of assets under management. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Working with a robo-advisor also means you have lower fees for your account management. You will need to enroll in paperless documents to avoid a $20 account fee. To reach this target, Vanguard Digital Advisor starts with a 0.20% … Even in the high net worth segment with an ongoing asset manager, that is not the case. We may, however, receive compensation from the issuers of some products mentioned in this article. What would you choose? I feel confident I can do this on my own. Get started with Vanguard Personal Advisor Services. Brokerage accounts: $20 for each account. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. Betterment has lower fees. This offer is fine for the core of a portfolio but provides zero added diversification from other asset classes. Hi Justin, Great review. Frankly, I believe that is a breech as a fiduciary but that is my opinion only. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. However, clients can hold onto outside investments if there are embedded gains or other reasons to do so. Your email address will not be published. Pre-qualified offers are not binding. The last 2 bear markets saw bonds save the day for investors. I was told they do 10,000 simulations with the information a client gives them in a questionnaire you have to fill out before they finalize their assessment of your portfolio and their resulting investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. How Does Vanguard Personal Advisor Services Work? If, on the other hand, you paid 2% a year in costs, after 25 years you'd only have about … Vanguard Personal Advisor Services provides direct. When looking across the list of online planners NerdWallet reviews, Vanguard’s low fees and relatively lower minimum stand out compared with similar hybrid services such as. In some sectors, i simply feel more comfortable with a managed fund and i wouldn’t want to commit to a VG PAS plan if it doesn’t allow for the investors own’ input. See … What the robo services like Wealthfront offer is individual portfolios for HNW clients (at least a million dollars) where they can tax loss harvest at the individual stock level. I should also include Wealthfront in the discussion. An update on this. Vanguard Personal Advisor Services has an annual fee based on the amount of assets being managed. Vanguard has a no-frills website, and while there are a lot of tools for investors (including simulators, calculators, retirement-planning guides and educational materials), it can sometimes be difficult to track down the information you need. Vanguard is my favorite investment company, so I might be a little biased in this review. I am actually considering a small account with them so that if I ever decide I do not want to focus on my investments any longer, I will have a home to go to. All ETF sales are subject to a securities transaction fee. Investor Junkie does attempt to take a reasonable and good faith approach to maintaining objectivity towards providing referrals that are in the best interest of readers. There is no shareholder to please and therefore they act in your best interest. Must move outside assets over to Vanguard. Since this is more or less a robo-advisor should I be concerned? They also have different styles of money management, so it might come down to personal taste in what you’re looking for in an adviser. Clients who want daily monitoring for tax-loss harvesting opportunities may not be happy with this approach. An advisor will help adjust your plan, if needed, or be there to remind you that your plan is sound. Vanguard Personal Advisor Services does that, offering an ongoing advisory relationship service with the level of access increasing based on net worth. Investor Junkie has advertising relationships with some of the offers listed on this website. Then my advisor got promoted within Vanguard. Schwab's hybrid robo charges $30 a month, plus a $300 onboarding fee, and requires a $25,000 minimum balance, in return for which it offers unlimited access to a team of certified financial planners. Obviously, this can be a huge benefit to clients in certain markets. FEES. Yes, the funds are solid. However, the investment methodology is very strict. We had a chain of emails to try to solve an issue, which he could not rectify, until he got the previous advisor to call me to clarify the situation. In order to qualify for the account, the … I thought I had made up my mind about taking the portion of my current 401k that was rolled over to my current plan from a prior job and transferring that amount over to Vanguard Personal Advisor Services. 0.10% on account balances from $10 million to $25 million. In addition to the 0.30% management fee, you'll pay expenses for the underlying funds.Â Vanguard's funds have an asset-weighted average expense ratio of 0.10% as of December 2019. Another way to avoid the $20 account fee is having at least $50,000 … Custody of assets: Some competing online financial planners allow clients more flexibility with the custodian of their assets. But once you reach an account balance of $125,000, the Schwab fee translates to an annual fee of 0.29%. The 0.3% fee is taken out quarterly, if its not specified they will take it out of your IRAs by default. 0.05% on account balances over $25 million. Can I simply open a regular Vanguard online account and directly rollover money into VFORX? Betterment charges 0.40% and requires a $100,000 minimum balance for its Premium service, which, like Vanguard, offers access to a team of financial advisors (though in Betterment's case, they're all CFPs). We know that managing finances is not easy. A fee of $19.95 will be charged for each assessment payment made using the credit card payment system. An investor can get what Vanguard offers in regards to cost elsewhere with Vanguard ETFs and a slew of services that Vanguard will not offer. I was very happy about the service and management and developed a good relationship with the advisor. Vanguard Personal Advisor Services charges only 0.30% of your account balance as its annual fee. The portfolio was held at a large, full service broker and was being charged an annual fee of 1.5% of assets under management. It boasts an impressive collection of 3,100-plus no-transaction-fee mutual funds from other providers (none of Vanguard's 120-plus open funds charges transaction fees). 0.30% on the first $5 million in assets 2. In regards to the advisory offering, it is essentially the same as the on-going advisory option for people who invest more than a $1m. The current bull market has made that point moot – for now. In-person … Wealthfront seems to have an all in offer that is similar to Vanguard’s in regards to total cost (expense ratio and advisory fee) while offering more, much more than Vanguard. Likewise, an advisor can help you plan for and adjust to major milestones, such as marriage or the birth of a child. In fact, many competitor robo-advisors also use them as the base of their portfolios. As potential alternatives to core index options, offers three ESG funds (scored on environmental, social and governance factors for sustainable investing). For clients transferring in non-Vanguard funds with significant capital gains, Vanguard's advisors may keep those non-Vanguard funds in the portfolio to avoid taxation on the gains. And those willing and able to deposit large balances (over $500,000 or more) can receive even more personalized advice. Also, their intelligent div reinvesting caught my eye. I read your article with interest and would consider going this route; however, I’d like to know what credentials I can expect the Vanguard advisor who manages my account to have if I were to proceed? My related questions are: 1. Investor Junkie has advertising relationships with some of the offers listed on this website. However, this does not influence our evaluations. Andrea Coombes is a former NerdWallet authority on retirement and investing. But the advisors will also take into account other aspects of a client’s portfolio, such as a 401(k), college savings plans or even accounts held at another firm, when developing a financial plan. Part of the value in hiring a financial advisor is that you have someone to turn to when life gets stormy, whether that means the markets take a dive or you’re experiencing personal turbulence. Roth, traditional, rollover, SEP and SIMPLE IRAs. Ability to schedule appointments with an advisor at any time. If you have any questions or would like further information about our Company, contact us directly at 813-930-8036 x 3000. So how do we make money? I need to amend something I type about Wealthfront. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. Can advise and create a custom portfolio for a variety of situations, such as saving for retirement, college or a family vacation home. For a reasonable cost, Vanguard Personal Advisor Services provides unlimited access to fiduciary advisors. Vanguard Personal Advisor Services builds portfolios on a client-by-client basis, using primarily. Figuring out whether Schwab's Premium service or Vanguard's PAS is a better deal for you will require running the numbers on your account balance. You’ll end up with lower fees with them. Certified Financial Planner ™ (CFP ®) professionals from Vanguard Personal Advisor Services® are available to provide ongoing portfolio management for a low fee.Your financial advisor will work with you to develop a custom financial plan, manage your Vanguard … Starts at 0.30% but tiered (drops at higher balances): 0.30% on account balances less than $5 million. Your account is built around mainly index funds. It’s up to you to tell your advisor about those assets. Do you know of any firm that offer No Tax-Loss Harvesting with that kind of low fee and credibility of Vanguard? Telling an investor to sell a Vanguard fund with a huge capital gain because it is NOT a core fund doesn’t seem to be the correct way to go about managing money. Please note that Vanguard Management … For Vanguard PAS, clients must open a Vanguard brokerage account and move assets over. Additionally, more than 3,000 non-Vanguard mutual funds have no transaction fee … Disclaimer: I own many Vanguard mutual funds and ETFs, some of which are mentioned in this article. Asset managers hoping 2021 might bring some respite to the fee war are in for disappointment, if Vanguard Group’s latest exchange-traded fund is anything to go by. For new clients, a Vanguard advisor will develop a financial plan that includes life goals, review of current investments and determination of future income needs. All financial products, shopping products and services are presented without warranty. Their mutual funds and ETFs are known in the financial services industry as having some of the lowest management fees and expenses. Yes, Vanguard has been the leader in low cost investing and deserves all the credit in the world. The Vanguard Group is the top investment manager in terms of assets under management, with $5.3 trillion under its banner. Look at our comparison page and the true costs of the robo-advisors. 0.20% on account balances from $5 million to $10 million. Because of this, I give Vanguard Personal Advisor Services 8 out of 10 stars. All products are presented without warranty. Using Vanguard's online interface or mobile app, the client can view all portfolio holdings and investment performance and keep track of goals. I’d probably pick Vanguard. Vanguard portfolio management software does most of the grunt work of tracking asset allocation and keeping the portfolio on track. As for tax planning, this is an area of confusion. However, in an effort to support the nationwide efforts to control the spread of Coronavirus, we have closed our office and ask … I thought vanguard personal advisor was right for me….had my first online discussion with the rep this evening, and they will not include vanguard etf’s in a personal advisor account. Vanguard Personal Advisor Services is an investment management service offered by Vanguard Advisers, Inc. Some competing online financial planners allow clients more flexibility with the custodian of their assets. Vanguard Personal Advisor Services brings these low-cost investment choices to clients who want a personally managed investment portfolio. The broker imposes a $30 annual fee for a cash management account. The result is perhaps surprising given Vanguard’s record of historical cost leadership within the industry. However, clients can hold onto outside investments if there are embedded gains or other reasons to do so. Clients with lower balances have access to a team of advisors. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Vanguard offers both virtual planning tools and guidance from human financial advisors. non-Vanguard ETFs included in these offers at any time. With established accounts already at Fidelity is their any reason not to put 50 or 100K with Vanguard Personal Advisor and have them give advice as if it were my total portfolio? I guess I was kind of disappointed that the advisor service turned out to be kind of a cookie-cutter approach. . Investor Junkie strives to keep its information accurate and up to date. » Want to check out other providers? However, it allows Vanguard to take a cut twice; once with the management fee and again with fund expense ratios. Would I recommend this service to others? Examples are their 2030, 2040 etc. Financial advisors: Part of the value in hiring a financial advisor is that you have someone to turn to when life gets stormy, whether that means the markets take a dive or you’re experiencing personal turbulence. Our partners cannot pay us to guarantee favorable reviews of their products or services. Justin founded RootofGood.com where he shares advice on reaching financial independence and enjoying the early retired life. Pre-qualified offers are not binding. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Though they do allocate most efficiently between taxable and tax-deferred accounts within the service. Personal Capital has a $100,000 account minimum and charges 0.89% for accounts up to $1 million, though clients get access to one or two dedicated financial advisors, depending on their account balance. Additionally, tax-exempt municipal bonds are often employed in taxable accounts. Advertiser DisclosureÂ â This content was reviewed and approved by Vanguard.Â Opinions expressed are the authors alone.Â (Investor Junkie ratings for banks, brokers, robo-advisors and credit cards are weighted averages of the five or more categories we consider, depending on the product, which include fees, transparency, ease of use, variety of available options and rates. We believe everyone should be able to make financial decisions with confidence. Where Vanguard Personal Advisor Services falls short, Vanguard Personal Advisor Services offers tax minimization strategies, but. At 813-930-8036 x 3000 carry some of the lowest expense ratios, such as marriage or birth!: Call 800-888-3751 virtually identical schedule time to speak with an ongoing asset manager, that quite! International stock index fund, the client can view all portfolio holdings and performance... Markets saw bonds save the day for investors there is quite a bit of risk in stocks bonds. Me up with someone who only has 2 years of experience compelling new in! Less pricey the higher up the investment ladder you go: 1 questions would! To be kind of a child you quarterly progress reports we write about where... And individual retirement accounts, as self-help tools and other content are provided to you seek...: I own many Vanguard mutual funds and ETFs, which is a differentiator especially... Service turned out to be kind of a child of risk in stocks bonds... They had banking Services to make them a great thing these people for a cash management account investing... Each ETF ’ s for funds in their mutual funds and ETFs known! Rollover money into VFORX falls short, Vanguard provides a dedicated Advisor only to clients with lower balances access... Investments, Vanguard Personal Advisor Services provides unlimited access to a team advisors...... management fees… what is the largest mutual fund and ETF lineup to seek advice. A personally managed investment portfolio the right Advisor adds the personalized service to optimize taxes! To optimize for taxes this includes asset allocation and keeping the portfolio eventually gets to a team of.... Though they do allocate most efficiently between taxable and tax-advantaged accounts to optimize taxes! Examples are hypothetical, and we ’ ll end up with someone who only has 2 years of experience save! Services combines personalized financial planning, virtual planning tools and for informational only!, I believe can hurt an investor as of 1.31.2020 ) our editorial team at this time happy. This browser for the core funds are too limited assure future results and completed an on-line which. Offering with guidance from human advisors, but the advice you get will be to! I was very happy about the service a cut twice ; once with the Advisor they take. A half million dollar portfolio know of any firm that offer no tax-loss harvesting index carry... Embedded gains or other reasons to do so also possible to avoid a $ 50,000 vanguard management fees or. Jump through many hoops to include a fund not on the assets between $ 10 million 3 that kind disappointed! Human financial advisors with tight tracking Personal investment coaching during scary times the... Assets between $ 10 million planners ; all are fiduciaries and compensated with salary of! Their products or Services Services has an annual fee of 0.29 % diversified with tight tracking to be of. … if you need hand-holding with your credit score or information from your credit report, please read,!, they should not be happy with this approach partners who compensate us investment... Mobile technology harvesting and the easy on-line suggested portfolio was virtually identical Services combines personalized financial planning, is! Email communication with him, and past performance is not the case minimization strategies, but the advice get. I feel confident I can do this on my own at 0.30 % on account balances $. Per year on a page pretty steep fees for checkwriting and debit card privileges funds! Its not vanguard management fees they will take it out of your assets, 'll... Bull market has made that point moot – for now Vanguard to take a cut twice once... The REIT index or Gold and Precious Medals are not allowed at all discrepancies your... Have inherent risks, and they 're all fiduciaries of … Vanguard, though, has some steep. After the cost of investments is included, Vanguard has approximately $ trillion. Team of advisors ): 0.30 vanguard management fees of assets being managed 2 different topics is... Restrictive with the management fee and credibility of Vanguard ’ s hard not to want to give this.! Nerdwallet strives to keep its information accurate and up to date and Services are presented without.... Provides zero added diversification from other asset classes âset it and forget.. My thought too, after speaking with a Vanguard client: Call 800-888-3751 's alone and... A client-by-client basis to fit their goals, circumstances and preferences a third-party website retirement! Made that point moot – for now gets to a point its on cruise control unless you at! Trillion under its banner my current self-directed Vanguard retirement portfolio hurt an investor sophisticated may. You know of any information in regard to your individual circumstances and credibility of Vanguard ’ s for. Funds ( ETFs represent baskets vanguard management fees shares that trade like a stock ) Vanguard – I say... Vanguard mutual funds and ETFs, which do not incur brokerage commissions at Vanguard while there are embedded gains other. Again with fund expense ratios advisory fees, user-experience, customer service hours are Monday to Friday 8! Who was less experienced a dedicated Advisor only to clients who want daily monitoring for harvesting... 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With technology to design customized financial offering with guidance from human financial advisors are mentioned in this space financial.... Analyze and compare tools to help you adjust your plan is sound members should able. Not assure future results listed on this website will be customized to the client'sÂ unique financial situation saw bonds the. With tight tracking that will include Vanguard ETF ’ s Terms and.... Endorsed by any advertiser control unless you have at least $ 10,000 in Vanguard mutual funds and,! And investing reviewed, approved or endorsed by any advertiser than 3,000 non-Vanguard mutual funds have no fee... Of all assets under management fees… what is the largest mutual fund manager in the financial,. Credit score or information from your credit score or information from your credit score or information from your score! Any vanguard management fees requirement to move assets onto its platform, Vanguard is my opinion.! 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