Types of Users
This user has access to Digital Advisor's goal planning services, but the client hasn't given Vanguard discretion on the accounts
Self-directed user (i.e. SD user type)
This type of Vanguard account can be retail (i.e. taxable) or an IRA (i.e. non-taxable)
Vanguard Brokerage Account
This type of consent is required in order include multiple users' financial data in discretionary advice outcomes
Limited Agent Authorization (LAA)
The account is required to be in this state in order to be eligible to be enrolled into DAP
In Plan
This is the secure website used by VWS
Participant Experience (PE) secure site
This type of user pays a higher advice fee for our discretionary advice and has access to a human advisor
Personal Advisor user (i.e. PA user type)
This type of Vanguard investment is record kept at Vanguard and often has employee and/or employer contributions
Vanguard Workplace Solutions (VWS) Plan
This type of account is provided by the user through an aggregation service to be included in cashflow and eligible for ATAA in discretionary advice
Yodlee Linked Account
Inherited IRA is an example of this type of ineligibility
Ineligible for contributions
This is the distinguishing part of the URL for the DAP Onbording portion of the flow that is referred to often referred to as the "lead in" pages
set up is in URL
A user who has given Vanguard digression to trade on their managed accounts without directly interacting with a human advisor
Digital Advisor (DA) user (i.e. DA offer type)
Goal Planner doesn't support this type of account although it can be viewed on DAP's Portfolio page
Debt provided through Yodlee
These are used in an Enhanced Household as a placeholder for the real account when a partner's account isn't eligible for a limited agent authorization
Linked Balance or will take an example such as Vanguard 401 or Vanguard 529 plan
This is a type of ineligibility when an account cannot be added to In Plan resulting in it being excluded from DAP's projections
Ineligible for cashflow
This is the app prefix name for DAP's Portfolio page and asset mix which is used to enable Adjusted Target Asset Allocation (ATAA)
GQD
User gives access to a partner to allow for shared adviced outcomes across all of their managed accounts
Enhanced Household
This is an account type that the user has enrolled into Vanguard's discretionary advice service
Managed account - can be eligible brokerage account or eligible VWS plan
This type of temporary information is provided by a user who doesn't have an account with Vanguard and is used during DAP's onboarding process
Prospect Placeholder Estimate
These are 2 of the types of contribution sources that a Vanguard employer plan may include.
Answer must include 2 of these types of contribution sources:
pre-tax; after-tax; roth; employer match
This is the app prefix name for DAP's Performance service that Team Gaia will become product owners
UHV
This type of user has access to Vanguard's non-discretionary advice and has access to a human advisor
Personal Advisor Service user (i.e. PAS user isn't on the DAP platform)
This is a type of Vanguard institutional plan that is eligible for discretionary advice but the employer requests the user to input certain contribution data directly
Manual Entry Manageable Vanguard Plan
This is external account information that is directly provided by a user, able to be edited at any time, and is eligible to be included in advice although not managed by Vanguard.
Manually Entered Outside Account (MEOA)
This type of institutional plan is eligible to be enrolled into DAP
Non-manageable Plan
This functionality provides the ability for users to sever their relationship with Vanguard's account aggregation vendor
Yodlee Disconnect