Financial wellness support that puts employees first.

 
Woman at a laptop imagining the benefits of financial well-being

Financial wellness support that puts employees first.

Make a difference in your participants’ financial well-being by surrounding them with the tools, education, and services that will guide them to better outcomes.

Woman at a laptop imagining the benefits of financial well-being

Financial wellness support that puts employees first.

Make a difference in your participants’ financial well-being by surrounding them with the tools, education, and services that will guide them to better outcomes.

Financial wellness achieved through an integrated experience.

Tackling short- and long-term needs

Helping employees find the balance between everyday expenses, building savings, and achieving retirement readiness.

Boosting retirement confidence

Education and guidance that drive action, enabling participants to feel more in control of their retirement goals.

Managing retirement income

Guidance on retirement income solutions, projected retirement income, and sustainable withdrawals.

Personalized omnichannel experiences focused on improving outcomes

Planning for today

  • A financial wellness hub that provides a financial wellness assessment, personalized educational content, relevant tools, and action plans
  • Focused support to help decrease debt and prepare for unexpected financial shocks.
  • In-depth analysis for better financial management—from student loans to health and emergency savings.

Planning for retirement

  • Integrated data from multiple sources to provide a comprehensive financial view.
  • Tools that deliver retirement savings projections, withdrawal recommendations, and more. 
  • Personalized nudges for smarter spending, savings growth, and planning for multiple goals.  

Supportive experiences that meet participants where they are

  • Tailored content, webinars, and on-demand meetings to promote better financial literacy.
  • Educational materials and individualized support based on the unique needs of participants.

Committed to providing integrated, best-in-class experiences

Once we determine that the best way to drive outcomes is by working with a third-party provider, we find the finest in the business and combine their expertise with our own.

Health Savings 

A leading provider of health savings accounts offering participant health and wealth planning for retirement.

Equity Compensation 

One of the world’s largest transfer agents and a top-rated service provider for equity compensation plans.


Non-Qualified Plans 

State-of-the-art plan administration, comprehensive plan accounting, and fully integrated systems.

Self-directed brokerage

A robust self-directed option providing trading and planning tools, a broad menu of securities, and third-party research.

Reporting on the well-being of your plan

Our plan management portal will show progress on your plan’s goals, enable teams to work efficiently, and provide information to help you make decisions in real time. That way, you can gain valuable and actionable insights to help you reach your plan’s goals—so your participants can reach theirs. 

Doing what’s right for your participants—and you.

Because our investors are our owners,1 we’re able to focus on what matters most in driving financial well-being outcomes. We’ve integrated the best of Vanguard—including financial wellness experiences, actionable advice, and enduring investments—together into a single, powerful financial well-being support system.

Award-winning advice services


An integrated experience with a range of options offering built-in financial planning—Vanguard Digital Advisor was awarded the best Robo-Advisor for Low-Cost Investing by Nerdwallet, January 2022, based on data as of October 2021.2

Enduring investments

Our target-date funds carefully balance risks and returns—with all of our Target Retirement funds delivering higher risk-adjusted returns than their respective peer averages over 3, 5, and 10 years.3

Have questions about Vanguard Well on Your Way™?

1Vanguard is investor owned, meaning the fund shareholders own the funds, which in turn own Vanguard. 

 

2Vanguard Digital Advisor received the top rating for “Best Robo-Advisor for Low-Cost Investing” for 2022 among 18 other robo-advisors selected by NerdWallet. NerdWallet evaluated each provider across the following weighted criteria as of October 2021, to determine the winner for low costs: management fees (50%), expense ratios on investments (40%), and account fees (10%). Additional details about NerdWallet’s methodology are available on their website. Current fees may vary for Digital Advisor and the other robo-advisors considered. Although Vanguard compensates NerdWallet for marketing services, NerdWallet’s opinions and evaluations are independent and unrelated to the selection of Digital Advisor for this award. © 2017-2022 and TM, NerdWallet, Inc. All rights reserved.

 


3Based on Sharpe ratios (risk-adjusted returns) for each Vanguard vintage relative to their peer group average for each period ending December 31, 2021. Only funds with at least 3, 5, or 10 years of history, respectively, were included. 12 out of 12 Vanguard Target Retirement Funds in the 3-year period, 11 out of 11 in the 5-year period, and 10 out of 10 in the 10-year period delivered higher risk-adjusted returns than their respective peer group averages. Results will vary with different time periods. Sources: Vanguard and Morningstar, Inc.

Note that the competitive performance data shown represent past performance, which is not a guarantee of future results, and that all investments are subject to risks. For the most recent performance, visit our website at www.vanguard.com/performance.

 

For more information about any fund, visit institutional.vanguard.com or call 800-523-1036 to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.

All 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.

 

Advice is provided by Vanguard Advisers, Inc. (VAI), a federally registered investment advisor. Eligibility restrictions may apply. VAI cannot guarantee a profit or prevent a loss.

 

Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.

 

Vanguard is responsible only for selecting the underlying funds and periodically rebalancing the holdings of target-date investments. The asset allocations Vanguard has selected for the Target Retirement Funds are based on our investment experience and are geared to the average investor. Regularly check the asset mix of the option you choose to ensure it is appropriate for your current situation.

 

Vanguard Digital Advisor’s services are provided by Vanguard Advisers, Inc., a federally registered investment advisor. Go to vanguard.com/digitalbrochure for important details about this service. Vanguard Digital Advisor’s financial planning tools provide projections and goal achievement forecasts that are hypothetical in nature. They are provided for educational purposes only and are not guarantees of future results.

 

VAI is a subsidiary of VGI and an affiliate of VMC. Neither VAI nor its affiliates guarantee profits or protection from losses.