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What to Expect From a Portfolio Review

What Should I Expect From Personal Capital’s Complimentary Portfolio Review?

Why Should I Talk to a Financial Advisor?

Our advisors often get the question: why should I take time to speak with a Personal Capital advisor? Our answer is simple: If you’re serious about achieving your financial goals, what do you have to lose?

If you’re like many people, you probably have a dozen or more separate money accounts that you review on a regular basis. Checking. Savings. Brokerage accounts. Retirement plans. Credit cards. Mortgage. Personal Capital’s free money tools let you securely put all of your information in one place, providing an accurate view of your spending and saving habits, your current investment allocation, the fees you’re paying and how to intelligently optimize your overall finances.

A Personal Capital advisor can help you keep everything in check and help you plan for the future. A free portfolio review is the fastest and easiest way to test drive this service. Why is the review for you?

Frequently Asked Questions: The Personal Capital Free Portfolio Review

Why Personal Capital?

We’re currently responsible for managing investment strategies for thousands of families, and that number is growing every day. Personal Capital continues to blend cutting edge technology with objective financial advice from real human advisors. We believe this is the best way to empower you and your money. With our client-centric business model, Personal Capital is fundamentally altering the traditional financial services landscape.

What are the benefits of a portfolio review?

Look at it like this: Your portfolio is the basis of your financial plan. Creating a plan may seem like a straightforward concept, but once you move past your 20’s, your financial life starts to get much more complex. Retirement planning—and financial planning in general—starts to involve an increasing number of variables as you change jobs, get married, have children, accumulate various financial accounts, and start caring for elderly parents. Most people procrastinate, and these planning items sneak up on them. Many also underestimate the “real” future costs of a goal like retirement. Since retirement is a major financial goal for most people, it’s important to take a step back and think about what little steps you’re taking to better align your long-term goals.

What should I expect from a free portfolio review?

There are a few straightforward steps to the process. The first is getting to know you better, so we start with a brief call where we ask you questions about your financial goals and concerns, informed by what we already know from your Personal Capital dashboard.

What Happens Next?

A few days after the call, we’ll hold a video conference to present our analysis of the information you shared. We provide an overall household recap that summarizes your goals, time horizon, risk tolerance, balance sheet, and annual cash flow. We’ll also show you your current investment allocation in an easy-to-understand format, highlighting your exposure to various asset classes, sectors and geographies. We’ll show you our recommended portfolio based on your specific goals and financial situation. Our recommendations will most likely differ from your current allocation, both in terms of positioning and expected future returns, including a projected retirement. Lastly, we give you a series of personalized takeaways and steps covering areas such as college savings, outside assets and tax strategy.

What happens after this? If you like what you hear and would like to continue working with your Personal Capital advisor, we can go to work implementing the plan we presented. If you’re happy with your current setup, at the very least you’ve received actionable feedback on how you can improve. Our portfolio review is a great way to get an objective second set of eyes on your portfolio from someone who’s not trying to sell you any products. It’s a complementary perspective from a fiduciary who is morally and legally obligated to put your interests first.

Set up a time for your complimentary portfolio review.

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