A Vanguard flagship representative is NOT a financial advisor. I do get a lot of help, setting up trusts, rearranging my internet page, sending me to specialists and am happy with their service. They don't try to sell you anytihing, but will facilitate any and all questions about their services. I've moved money from Fidelity because their advisor was always trying to sell me something....an annuity.....manage my money, placing my nestegg in expensive managed funds, etc.......so my larger account is with Vanguard....a smaller account with Fidelity.