Way worser than fallback to SMS is a weakness in password reset procedure at Vanguard. You can improve security of Vanguard by using Google voice number for SMS 2FA and enrolling google account into the Advanced Protection Program. Vanguard does provide support for YubiKey which is great but it is not possible to prevent fallback to SMS. In my opinion Fidelity and Schwab provide better security than Vanguard.
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