Vanguard or Fidelity personal financial advisors? Which one’s better and why?

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Neither, I would go with an independent, fee-only advisor. Vanguard or Fidelity advisors will only recommend either vanguard or Fidelity products when there is a whole world of financial products available. Make sure they are fee-only, not commission-based sales people, and that they aren't bound to any specific mutual fund or etf company. If they start pitching whole life insurance, politely end the meeting.

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