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By limiting exposure to any one sector, size or style in favor of greater diversification and balance, you are better protected against downside risk when a particular market or segment declines.
Tax location places assets in different account types to help minimize taxes (higher yield securities being placed in tax-sheltered accounts when possible). Tax-loss harvesting can offset realized capital gains and be written off against income up to relevant IRS limits.
Ongoing rebalancing, that occurs when the market presents opportunities, can help avoid costly emotional mistakes and helps you buy low, sell high, and remain well-diversified. Our research shows that regular rebalancing can significantly enhance portfolio value over time.
Dynamic Portfolio Allocation
Because we see your complete financial picture, we can provide an efficient allocation. As your life evolves, we will recommend allocation adjustments to keep the strategy current with your ever changing situation.
We don’t believe in a “one size fits all” portfolio. Our approach is tailored to you and your goals. Together, we’ll create a plan that’s based on your preferences, and what stage you are in your life.
What you’ll cover on your first call.
How you can build a more tax-efficient portfolio
Insights on cash flow, spending, and budgeting
401k advice, and our approach to diversification
Make Your Employer-
Sponsored Retirement Plan Work For You
Personal Strategy+ applies the personalized care and convenience you’ve come to expect from Personal Capital to your employer-sponsored retirement accounts, including 401k and 403b. We’ll optimize your plan with holistic allocation, regular monitoring, and rebalancing. With Personal Capital, planning for retirement can be almost as relaxing as retirement itself.
We charge one all-inclusive annual management fee at a fraction of the cost of traditional financial institutions. There are no hidden fees, no trailing fees and no trade commissions.
|Includes family tiered billing|
Responsible Personal Strategy®
Personal Capital Advisors Corporation ("PCAC") compensates ("Company") for new leads. ("Company") is not an investment client of PCAC.
["Author"] has entered into an agreement with Personal Capital Corporation ("Personal Capital"), through which Author will be paid up to $200 for each person who uses webpage to register with Personal Capital and links at least $100,000 in investable assets to Personal Capital's Free Financial Dashboard. The “Author”, due to such compensation, has an incentive to recommend Personal Capital, resulting in a material conflict of interest. Author is not affiliated with Personal Capital and Author's services consist solely of referrals of prospective clients. As a result of this arrangement Author may financially benefit from referring qualified leads to Personal Capital. No fees or other amounts will be charged to investors by Author or Personal Capital as a result of the arrangement. Investors that are referred by Author to Personal Capital and subscribe for investment advisory services provided by Personal Capital’s subsidiary, Personal Capital Advisors Corporation (“PCAC”), will not pay increased management fees or other similar compensation to Author, Personal Capital or PCAC as a result of the arrangement. This agreement with Author does not imply a sponsorship, endorsement, approval, investigation, verification, or monitoring by PCAC of the contents of the Author's website. Personal Capital is not responsible for the content of any website owned by a third party that may be linked to Personal Capital's website regardless of whether the link is provided by PCAC or a third party. Personal Capital does not prepare or maintain, has not and will not review or update, and does not guarantee the accuracy, timeliness, completeness, suitability, reliability, or usefulness of any information contained on a linked third-party website.