Tim Buckley: One place I should mention for clients that if they’re worried about volatility, what that should look like market to market, they’re getting stressed out about it, a few people have asked—more than a few—about advice and the advice programs at Vanguard. And people ask, “Why do we come to the website? I see advice is prominent." Because we believe in it. We believe it is the best way we can help people hit their long-term investment goals.

A client’s success is determined by the funds they hold—and you’ve heard me say this—the funds they hold and the advice they get on those funds. [For] close to five decades, Vanguard’s focused on giving people the highest-quality, lowest-cost funds out there. We’re trying to do the same on the advice side, where we can raise the quality, lower the price, make advice so accessible [that] it becomes the default way of investing for people.