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Transform Your Financial Life

We offer a unique combination of online tools and dedicated advisors to help you manage your financial life confidently.
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What We Offer

  • Retirement Planner
  • Investment Checkup
  • Budgeting & Cash Flow
  • Fee Analyzer
  • Education Planner
  • Access to free online tools & dashboard
  • Financial Advisory Team
  • Tax Efficient ETF Portfolio
  • Smart Weighting™
  • 401k Advice
  • Cash Flow & Spending Insights
  • 24/7 call access including weekends & after-hours
  • Support Priority Services
  • Everything in Investment Service
  • Two Dedicated Financial Advisors
  • Customizable Individual Stocks & ETFs
  • Full Financial & Retirement Plan
  • College Savings & 529 Planning
  • Tax Loss Harvesting & Tax Location
  • Financial Decisions Support (including Insurance, Home Financing, Stock Options and Compensation)
  • Everything in Wealth Management
  • Priority Access to CFP®, Advisors, Investment Committee & Support
  • Investment Portfolio Mix of ETFs, Individual Stocks & Individual Bonds*
  • Family Tiered Billing
  • Private Banking Services
  • Estate, Tax & Legacy Portfolio Construction
  • Donor Advised Funds
  • Private Equity & Hedge Fund Review
  • Deferred Compensation Strategy
  • Estate Attorney & CPA Collaboration
  • Access to Private Equity Investments**
  • * in certain situations
    ** Available to certain qualified clients that meet suitability requirements and have $5 million or more invested with Personal Capital.

Financial Tools


  • Retirement Planner
  • Investment Checkup
  • Budgeting & Cash Flow
  • Fee Analyzer
  • Education Planner

 

GET APP

Investment Service


  • Access to free online tools & dashboard
  • Financial Advisory Team
  • Tax Efficient ETF Portfolio
  • Smart Weighting™
  • 401k Advice
  • Cash Flow & Spending Insights
  • 24/7 call access including weekends & after-hours
  • Support Priority Services

 

GET STARTED

Wealth Management


  • Everything in Investment Service
  • Two Dedicated Financial Advisors
  • Customizable Individual Stocks & ETFs
  • Full Financial & Retirement Plan
  • College Savings & 529 Planning
  • Tax Loss Harvesting & Tax Location
  • Financial Decisions Support (including Insurance, Home Financing, Stock Options and Compensation)

 

GET STARTED

Private Client


  • Everything in Wealth Management
  • Priority Access to CFP®, Advisors, Investment Committee & Support
  • Investment Portfolio Mix of ETFs, Individual Stocks & Individual Bonds*
  • Family Tiered Billing
  • Private Banking Services
  • Estate, Tax & Legacy Portfolio Construction
  • Donor Advised Funds
  • Private Equity & Hedge Fund Review
  • Deferred Compensation Strategy
  • Estate Attorney & CPA Collaboration
  • Access to Private Equity Investments**
  • * in certain situations
    ** Available to certain qualified clients that meet suitability requirements and have $5 million or more invested with Personal Capital.

LEARN MORE

Digital Wealth Management with a Holistic Approach


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Personal Strategy®

Our investing strategy is based on a traditional index approach, improved upon by our award-winning technology. We’ll create a personalized plan for managing your entire financial life, not just your investments.

 

Read Our Investment Strategy

 

See Our Performance

Dynamic Portfolio Allocation

Because we see your complete financial picture, we can provide an efficient allocation based on your real-time assets and goals. As your life evolves, and market conditions change, so does our allocation.

Personalization

We do not believe in a “one size fits all” portfolio. Our management is tailored to your circumstances and specific objectives, and you can make customizations* based around preferences or unique circumstances.

*There is less of an opportunity to personalize in our fully ETF portfolios.

Tax Optimization

Tax location with individual securities strategically places assets in account types so you pay the least amount possible in taxes. Tax-loss harvesting offsets realized capital gains, potentially lowering your tax bill even more.

Rebalancing

Periodic rebalancing of positions mitigates costly emotional mistakes and helps you buy low, sell high, and always remain well-diversified. Our research shows that regular rebalancing can significantly enhance portfolio value over time.

Smart Weighting

By limiting exposure to any one sector or style in favor of greater diversification, you are better protected against downside risk in a market decline — one driver of its higher historical return compared to passive indexing.

Dynamic Portfolio Allocation

Because we see your complete financial picture, we can provide an efficient allocation based on your real-time assets and goals. As your life evolves, and market conditions change, so does our allocation.

Personalization

We do not believe in a “one size fits all” portfolio. Our management is tailored to your circumstances and specific objectives, and you can make customizations* based around preferences or unique circumstances.

*There is less of an opportunity to personalize in our fully ETF portfolios.

Tax Optimization

Tax location with individual securities strategically places assets in account types so you pay the least amount possible in taxes. Tax-loss harvesting offsets realized capital gains, potentially lowering your tax bill even more.

Rebalancing

Periodic rebalancing of positions mitigates costly emotional mistakes and helps you buy low, sell high, and always remain well-diversified. Our research shows that regular rebalancing can significantly enhance portfolio value over time.

Smart Weighting

By limiting exposure to any one sector or style in favor of greater diversification, you are better protected against downside risk in a market decline — one driver of its higher historical return compared to passive indexing.

Socially Responsible Investing

Invest for good with our Socially Responsible
Personal Strategy®

Investment Committee

The Investment Committee is dedicated to constructing and maintaining strategic investment portfolios for every client. This includes portfolio construction, security selection, portfolio monitoring, and trade oversight. Your advisor is responsible for understanding your financial landscape over time, and serves as your liaison to the Committee. The Committee combines expertise and decades of experience to build personalized portfolios and help clients live better lives through technology and people.

  • Bill Harris

    Founder and Director

    Bill Harris
  • Kyle Ryan, CFP®

    EVP of Advisory Services

    Kyle Ryan, CFP®
  • Craig Birk, CFP®

    Chief Investment Officer

    Craig Birk, CFP®

 

 

Team of Experts

Our Team of Experts includes a Nobel Prize winner and the father of Modern Portfolio Theory, the Behavioral Economist behind Save More Tomorrow, former head of Stanford’s $20 billion+ endowment fund, and former SEC commissioner who supports investor rights and the fiduciary standard. Advice from their decades of experience and extraordinary accomplishments helps shape our wealth management service.

  • Harry Markowitz

    Portfolio Strategy Expert

    Harry Markowitz
  • John Powers

    Asset Allocation and Alternatives

    John Powers
  • Shlomo Benartzi

    Behavioral Finance Expert

    Shlomo Benartzi
  • Luis Aguilar

    Formerly with the Securities and Exchange Commission

    Luis Aguilar

Our Fee Structure

We charge one, all-inclusive annual management fee at a fraction of the cost of traditional banks. There are no hidden fees, no trailing fees and no trade commissions.

 

Personal Capital

Fee Schedule

First $1M0.89%

Private Client Services

For clients that invest $1M or more with us.
Includes all services and trading commissions.

First $3M0.79%
$3M-$5M0.69%
$5M-$10M0.59%
Over $10M0.49%

Transforming financial lives

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