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Experience the Personal Capital Difference

Personal Capital is the smart way to track and manage your financial life. Get award-winning financial tools and personal attention from registered financial advisors for significantly less than traditional financial advisors.

	Personal Capital	Betterment	Fidelity GO	Future Advisor	Schwab Intelligent Portfolios™	Vanguard Personal Advisor Services	Wealthfront
All Your Accounts, All in One Place The Personal Capital dashboard works with all of your financial accounts - from your checking and savings accounts to your investment and IRA accounts to your mortgage, home equity loans and credit cards to give a complete picture of your net worth, any time, on any device.		As of April 2016, Betterment added data aggregation pulling in information on all types of client accounts. You must be a client in order to access Betterment's tools.	No ability to view all accounts in Fidelity Go. Does not have mobile app.		No ability to view all accounts in Schwab’s mobile app and website.	No ability to view all accounts in Vanguard's mobile app and website.	As of April 2016, Wealthfront added data aggregation pulling in information on all types of client accounts.
Dedicated Financial Advisors You get personal attention from two dedicated financial advisors who will develop a lifelong financial strategy tailored to your needs. The result is a complete transformation in the way you understand, manage and grow your net worth.		No advisors.	No advisors.	Licensed advisors on staff and available.	No dedicated advisor, you have access to a call center where you can speak to an advisor by chat or phone.	You are assigned one dedicated financial advisor. Personal Capital gives you two.	No advisors.
Personalized Investment Strategy Our asset allocation decisions and portfolio construction is driven by your personalized data and specific cash flow needs, not a simple algorithm based on a few questions. This ensures a truly customized strategy just for your specific situation and not a “cookie-cutter” solution.		Portfolios selected based on short questionnaire. No way to adjust or customize.	Portfolios selected based on short questionnaire. No way to adjust or customize.	Portfolios selected based on short questionnaire. No way to adjust or customize.	Portfolios selected based on short questionnaire. No way to adjust or customize.	Limited Investment Strategy. Portfolios are created by advisors on an individual basis. Core holdings are Admiral Shares of Vanguard index funds. ETFs and active funds are incorporated if needed.	Portfolios selected based on short questionnaire. No way to adjust or customize.
We Are a Fiduciary As fiduciaries, our advisors are legally bound to act in your best interest. Advisors associated with broker dealer firms are often incentivized to recommend high margin investments.			Portfolio funds are either proprietary Fidelity products or third party funds with a financial arrangement and potential conflict of interest.		Portfolio funds are either proprietary Schwab products or third party funds with a financial arrangement and potential conflict of interest.	Vanguard Personal Advisor Services primarily uses Vanguard funds. However, Vanguard funds carry some of the lowest expense ratios available.
Advice On Your Full Financial Picture We use a holistic approach to build your portfolio, and will optimize the placement of securities within your taxable and tax advantaged Personal Capital accounts. We will review all of your accounts, even those not under our management – to give you the best advice for your financial portfolio.		Financial planning related to retirement planning only.	You can only view the assets you have invested at Fidelity.		You can only view the assets you have invested at Schwab.	Similar to Personal Capital, Vanguard Personal Advisor Services looks at accounts not directly managed by Vanguard when developing your financial plan.	Wealthfront's algorithm focuses on fees and access cash in your account, based on investing best practices. However, they have a very limited scope on what they do for your full financial picture.
Smart Indexing We advocate an evenly weighted approach to sectors and styles in US stocks. We advocate an evenly weighted approach to sectors and styles in US stocks, that reduces the risk from sector "bubbles" for our clients.		Portfolios focus heavily on value stocks with increased sector concentrations and unnecessary portfolio volatility.	Only offers low indexing with Fidelity Funds.	Limited Smart Indexing	Schwab Intelligent Portfolios mandate between 6-30% of the portfolio be in cash (far above what Modern Portfolio Theory recommends). Oversized cash allocation can cost you significant real wealth over time.	Limited Smart Indexing. Portfolios are rebalanced once per quarter.	Portfolios focus heavily on value stocks which have increased sector concentrations and unnecessary portfolio volatility.
Fully Customizable Portfolios Our solutions are highly personalized to you. We can make adjustments to your portfolio to customize it to your specific needs, and build you an investment plan that is both cost and tax efficient.		No adjustments or customizations.	Limited Customizable Portfolios	Limited Customizable Portfolios	You can remove up to three ETFs in the model portfolio that's created.	Limited Customizable Portfolios	No adjustments or customizations.
Award Winning Mobile Apps Optimized for iPhone and Android phones, tablets and watches, the Personal Capital app is used by nearly 1 million users to track and manage their net worth.	6,987 reviews iTunes Store	1,122 reviews iTunes Store	No mobile app	148 reviews iTunes Store	39 reviews iTunes Store	34 reviews iTunes Store	121 reviews iTunes Store
Full Financial Planning From 529 plans and college financing, to estate planning, cash flow and savings plans, home financing, stock options and equity opportunities, our registered advisors provide a full array of financial planning support.		No financial planning, personalized advisory service, or ongoing reviews.	No financial planning, personalized advisory service or on-going reviews.	Limited financial planning, personalized advisory service, or on-going reviews.	Access to some financial planning through Charles Schwab & Co. Inc. via a toll-free number.	Vanguard Personal Advisor Services directly manages brokerage and IRA accounts, as well as 529 plans and trusts.	Financial planning, not including insurance coverage, cash flow and debt management, savings plans, legacy planning and charitable giving.
Tax Loss Harvesting Our portfolios combine ETFs and individual US Stocks, which provide optimal tax harvesting opportunities. 100% ETF portfolios offer limited tax harvesting possibilities.			Does not offer tax-loss harvesting features		Available to those who invest $50,000 or more.	Limited tax-loss harvesting provided on a client-by-client basis	Limited tax-loss harvesting opportunities.
Free 401k Fund Selection Advice Locked into your employer’s 401k plan? We can help provide guidance on your fund allocations to complement the rest of your investment portfolio.			No specific advice, particularly for assets held outside of Fidelity Go.		No specific advice, particularly for assets held outside of Schwab Intelligent Portfolios.	Vanguard will consider 401(k)s and outside assets when creating a client’s financial plan, but does not directly manage those assets.
Available Across Multiple Channels Our Advisors can be reached by phone, web conference, chat or email.		No advisor contact. Mail, phone or chat with customer support.	No advisor contact. Mail, phone or chat with customer support.		Access to call center through chat or phone.	You can speak to your advisor via phone or video conferencing and quick questions via email.	No advisor contact. Phone and email form used for customer support.