If one is clueless with investing and taxes in general, and they call vanguard, their eyes will glaze over. It would be like me explaining software development to my 85 year old father.

I do agree people should call vanguard. But just blindly following steps they give you is unlikely to be productive if you don’t understand why you’re doing those steps. Furthermore, those people who don’t understand _why_ will freak out every time there’s a huge market correction. They get scared - because they don’t understand any of it.

I’m also curious, do they offer financial advice for your accounts outside vanguard? Genuinely curious since i’m unsure.