{"id":7042574,"date":"2026-08-20T06:32:22","date_gmt":"2026-08-20T06:32:22","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/using-fidelity-schwab-or-vanguard-as-your-advisor\/"},"modified":"2026-08-20T06:32:22","modified_gmt":"2026-08-20T06:32:22","slug":"using-fidelity-schwab-or-vanguard-as-your-advisor","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7042574","title":{"rendered":"Using Fidelity, Schwab, or Vanguard as Your Advisor?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><em>Don\u2019t miss an episode of our podcast,\u00a0<strong>Personal Finance for Long-Term Investors<\/strong>. Available on all podcast players. <\/em><\/p>\n<p>Here\u2019s the latest episode: <\/p>\n<p><iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"175\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/is-my-diy-financial-plan-working-e148\/id1553180943?i=1000782881772\"><\/iframe><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n<p>Reader Doug wrote to me this week: <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Any thoughts on using one of the \u2018Big Three\u2019 as a financial advisor.\u00a0 Fidelity, Schwab and Vanguard have different programs at different price points (shown below). \u00a0<\/p>\n<\/blockquote>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"319\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-1024x319.png\" alt=\"\" class=\"wp-image-66463\" style=\"aspect-ratio:3.205686829460936;width:676px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-1024x319.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-300x94.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-768x240.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-1536x479.png 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6.png 1622w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<\/div>\n<p>For some background\u2026it\u2019s <strong>vital<\/strong> to remember that these companies swim in various lanes <strong>at the same time<\/strong>. <\/p>\n<p>They are <strong>custodians <\/strong>\u2013 places where you can open and keep accounts. <\/p>\n<p>They are <strong>fund managers <\/strong>\u2013 organizations that offer ETFs, mutual funds, etc. that you can pay to invest in. <\/p>\n<p>They also offer <strong>advisory <\/strong>services.  <\/p>\n<p>These organizations can be <em>great<\/em> custodians and <em>excellent<\/em> fund managers, yet have different standards for their advisory services. <\/p>\n<p>I\u2019ve got some thoughts for you, Doug.<\/p>\n<h2 class=\"wp-block-heading\">There\u2019s a Spectrum<\/h2>\n<p><a href=\"https:\/\/rialtowealth.com\/the-team\/jesse-cramer\">I\u2019m biased<\/a> here. It\u2019s important I disclose that. Though I\u2019d like to think my bias is \u201cpro-client.\u201d <\/p>\n<p>Here are some <a href=\"https:\/\/bestinterest.blog\/financial-advisor-questions\/\">great questions<\/a> to help you discern between good, bad, and ugly advisors. And definitions about how <a href=\"https:\/\/bestinterest.blog\/fee-only-flat-fee-fee-based-a-full-description-of-how-financial-advisors-charge-fees\/\">fees are charged<\/a>. <\/p>\n<p>I\u2019d also recommend this podcast episode too: <\/p>\n<p><iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"175\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/19-questions-to-uncover-good-bad-and-ugly-financial\/id1553180943?i=1000709217315\"><\/iframe><\/p>\n<p>The broader point is that: <\/p>\n<ul class=\"wp-block-list\">\n<li>Some advisors provide detailed planning. Others don\u2019t. <\/li>\n<li>Some advisors sell commissioned products (insurance, annuities, etc) and others are fee-only. <\/li>\n<li>Some advisors charge high fees, others low fees. <\/li>\n<li>Some advisors intentionally work with 40, 60, 80 clients. Other advisors work with 200+. <\/li>\n<\/ul>\n<p>All else being equal, you\u2019d <em>probably<\/em><strong> <\/strong>prefer an advisor who provides detailed planning, is fee-only, spends plenty of time with you, and charges reasonable fees. <\/p>\n<p>So \u2013 is that what the \u201cBig Three\u201d provide? <\/p>\n<h2 class=\"wp-block-heading\">Service Tiers<\/h2>\n<p>We should be looking at the \u201cdedicated advisor tier\u201d in the table below. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"319\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-1024x319.png\" alt=\"\" class=\"wp-image-66463\" style=\"aspect-ratio:3.205686829460936;width:676px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-1024x319.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-300x94.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-768x240.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6-1536x479.png 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-6.png 1622w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<\/div>\n<p>The robo-only and hybrid tiers provide very little human expertise. They are essentially \u201cinvesting-only\u201d services. That\u2019s fine \u2013 if that\u2019s what you want. <\/p>\n<p>But if you are looking for true financial planning, we want to look at the <em>\u201cDedicated Advisor\u201d<\/em> tier.<\/p>\n<h2 class=\"wp-block-heading\">Fees<\/h2>\n<p>Vanguard is the clear winner here at 0.30%.<\/p>\n<p>Fidelity and Schwab charge fees much closer to what small, independent financial planners charge. <\/p>\n<p>Fidelity\u2019s fees start <em>very<\/em> high. Well above 1.0% on the first $1M in a client\u2019s portfolio. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"477\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-8.png\" alt=\"\" class=\"wp-image-66467\" style=\"aspect-ratio:1.7086125241185757;width:419px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-8.png 815w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-8-300x176.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-8-768x449.png 768w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\"\/><\/figure>\n<\/div>\n<p>Schwab\u2019s fees are more reasonable. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"362\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-9-1024x362.png\" alt=\"\" class=\"wp-image-66468\" style=\"aspect-ratio:2.8266976204294836;width:630px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-9-1024x362.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-9-300x106.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-9-768x272.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-9.png 1190w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Client Service and Planning <\/h2>\n<p>Client service and in-depth planning are where the rubber meets the road. <\/p>\n<p>I\u2019ve had a ~dozen prospective clients (and a handful of actual clients) talk to me after working with one of these Big Three. I also regularly read online communities \u2013 both of individual investors (customers of the Big Three) <em>and<\/em> of other financial advisors (including many who work for the Big Three). <\/p>\n<p>The commentary always sounds the same. <\/p>\n<p>Advisors at the Big Three are <a href=\"https:\/\/www.reddit.com\/r\/CFP\/comments\/1quz1kb\/former_fidelity_schwab_fcs_do_you_ever_dream\/\">overworked<\/a>. They have too many clients to serve each client well. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"723\" height=\"137\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-11.png\" alt=\"\" class=\"wp-image-66471\" style=\"width:609px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-11.png 723w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-11-300x57.png 300w\" sizes=\"auto, (max-width: 723px) 100vw, 723px\"\/><\/figure>\n<\/div>\n<p>Big Three advisors tend to be earlier in their career, with less experience. Eventually, they look for opportunities to join an independent investment advisor. <\/p>\n<p>The <strong>planning<\/strong> work from the Big Three tends to be boilerplate and basic. You (the client) input your information into financial planning software, they press some buttons on their end, press \u201cgo,\u201d and send you the templated 20-page output document. <\/p>\n<p>This is a symptom of being overworked. If you have 200-300 clients, it\u2019s impossible to spend more than a few hours per year with any one of them. <\/p>\n<h2 class=\"wp-block-heading\">Fee-Only vs. Products<\/h2>\n<p>Unfortunately, both Fidelity advisory and Schwab advisory have a reputation for being <strong>sales organizations<\/strong>. <\/p>\n<p>Many of the financial advisors at these firms are so-called \u201cdual hat\u201d advisors. In some interactions, they wear their \u201cfiduciary\u201d hat. But in other interactions, they are held to a much lesser standard, and thus: <\/p>\n<p><strong>They push high-fee, proprietary products. <\/strong><\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"743\" height=\"106\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-12.png\" alt=\"\" class=\"wp-image-66475\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-12.png 743w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-12-300x43.png 300w\" sizes=\"auto, (max-width: 743px) 100vw, 743px\"\/><\/figure>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"555\" height=\"134\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-13.png\" alt=\"\" class=\"wp-image-66476\" style=\"width:619px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-13.png 555w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/08\/image-13-300x72.png 300w\" sizes=\"auto, (max-width: 555px) 100vw, 555px\"\/><\/figure>\n<\/div>\n<p>Vanguard, to their credit, has a much<em> <\/em>better reputation on this front. They maintain their low-fee, index fund approach. <\/p>\n<p><em>However<\/em>, all three firms tend to offer only their own products to their clients. Fidelity clients are steered toward Fidelity funds, Vanguard toward Vanguard, etc. On one hand \u2013 what did you expect? <em>Of course<\/em> this is going to happen. But this is clearly a conflict of interest against the client. <\/p>\n<h2 class=\"wp-block-heading\">Friends Don\u2019t Let Friends\u2026<\/h2>\n<p>If a close friend or a family member came to me with this question, I would 100% point them toward any number of <strong>independent<\/strong>, <strong>fiduciary<\/strong>, <strong>fee-only<\/strong> advisors around the country. <\/p>\n<p><em><strong>And it doesn\u2019t have to be me! \ud83d\ude42 <\/strong><\/em> <\/p>\n<p>There are many advisors whom I admire for their combination of: <\/p>\n<ul class=\"wp-block-list\">\n<li>High service<\/li>\n<li>Planning expertise<\/li>\n<li>Simple, low-cost investment management<\/li>\n<li>Fiduciary status<\/li>\n<li>Reasonable fees <\/li>\n<\/ul>\n<p>In my experience, the \u201cBig Three\u201d firms\u2019 advisory services miss the mark on too many of the five bullets above. You can do much better. <\/p>\n<p>Thank you for reading! Here are three quick notes for you: <\/p>\n<p><strong>First<\/strong> \u2013 If you enjoyed this article, join 1000\u2019s of subscribers who read Jesse\u2019s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime.<\/p>\n<p><strong>Second<\/strong> \u2013 Jesse\u2019s podcast <em><strong><a href=\"https:\/\/bestinterest.blog\/personal-finance-for-long-term-investors\/\">\u201cPersonal Finance for Long-Term Investors\u201d<\/a><\/strong><\/em> has grown ~10x over the past couple years, now helping ~10,000 people per month. <strong><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-best-interest-personal-finance-for-long-term-investors\/id1553180943\">Tune in and check it out.<\/a>   <\/strong><\/p>\n<p><strong>Last<\/strong> \u2013 Jesse works full-time for a fiduciary wealth management firm in Upstate NY. Jesse and his colleagues help families solve the expensive problems he writes and podcasts about. <a href=\"https:\/\/bestinterest.blog\/work\/\"><strong>Schedule a free call with Jesse<\/strong><\/a> to see if you\u2019re a good fit for his practice. <\/p>\n<p>We\u2019ll talk to you soon! <\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: Reader Doug wrote to me this week: Any thoughts on using one of the \u2018Big Three\u2019 as a financial advisor.\u00a0 Fidelity, Schwab and Vanguard have different programs at different price points (shown below). \u00a0 For [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7042575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11014,38369,65308,11577],"dealstore":[],"offerexpiration":[],"class_list":["post-7042574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-advisor","tag-fidelity","tag-schwab","tag-vanguard"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Using Fidelity, Schwab, or Vanguard as Your Advisor? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7042574\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Using Fidelity, Schwab, or Vanguard as Your Advisor? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. 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Here\u2019s the latest episode: Reader Doug wrote to me this week: Any thoughts on using one of the \u2018Big Three\u2019 as a financial advisor.\u00a0 Fidelity, Schwab and Vanguard have different programs at different price points (shown below). \u00a0 For [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=7042574\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-20T06:32:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/08\/Screenshot-2026-08-19-091831.png\" \/>\n\t<meta property=\"og:image:width\" content=\"461\" \/>\n\t<meta property=\"og:image:height\" content=\"309\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=7042574#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=7042574\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"Using Fidelity, Schwab, or Vanguard as Your Advisor?\",\"datePublished\":\"2026-08-20T06:32:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=7042574\"},\"wordCount\":903,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=7042574#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/08\/Screenshot-2026-08-19-091831.png\",\"keywords\":[\"Advisor\",\"Fidelity\",\"Schwab\",\"Vanguard\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=7042574#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=7042574\",\"url\":\"https:\/\/fivemor.com\/?p=7042574\",\"name\":\"Using Fidelity, Schwab, or Vanguard as Your Advisor? 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- Som2ny Network","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fivemor.com\/?p=7042574","og_locale":"en_US","og_type":"article","og_title":"Using Fidelity, Schwab, or Vanguard as Your Advisor? - Som2ny Network","og_description":"Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: Reader Doug wrote to me this week: Any thoughts on using one of the \u2018Big Three\u2019 as a financial advisor.\u00a0 Fidelity, Schwab and Vanguard have different programs at different price points (shown below). \u00a0 For [&hellip;]","og_url":"https:\/\/fivemor.com\/?p=7042574","og_site_name":"Som2ny Network","article_published_time":"2026-08-20T06:32:22+00:00","og_image":[{"width":461,"height":309,"url":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/08\/Screenshot-2026-08-19-091831.png","type":"image\/png"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fivemor.com\/?p=7042574#article","isPartOf":{"@id":"https:\/\/fivemor.com\/?p=7042574"},"author":{"name":"admin","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371"},"headline":"Using Fidelity, Schwab, or Vanguard as Your Advisor?","datePublished":"2026-08-20T06:32:22+00:00","mainEntityOfPage":{"@id":"https:\/\/fivemor.com\/?p=7042574"},"wordCount":903,"commentCount":0,"publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"image":{"@id":"https:\/\/fivemor.com\/?p=7042574#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/08\/Screenshot-2026-08-19-091831.png","keywords":["Advisor","Fidelity","Schwab","Vanguard"],"articleSection":["Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fivemor.com\/?p=7042574#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fivemor.com\/?p=7042574","url":"https:\/\/fivemor.com\/?p=7042574","name":"Using Fidelity, Schwab, or Vanguard as Your Advisor? 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