Financial Planning with Confidence
We offer a unique combination of both innovative tools and registered financial advisors to help you manage your financial life confidently.Schedule Your Free Consultation
Act in your best financial interest
We act as a fiduciary on your behalf and fully abide by the Fiduciary Standard.
Optimize risk & return on your behalf
We do this through our smart portfolio management strategy and Smart Weighting™ approach, which incorporates Modern Portfolio Theory and equal sector/size weighting.
Avoid hidden fees
Cut out commissions, transactional and annual fees with one all-in management fee. We have much lower fees than traditional brokers.
Investment advice when & where you need it
You get full access to our sophisticated online tools and and personalized advice from our registered Advisors by phone, web conference, chat or email.
Holistic financial planning
We take your entire financial life into account, not just the portion we manage.
We do this by applying tax loss harvesting, reallocating assets to tax-deferred accounts, and helping you realize higher yields in your retirement account.
What happens when you click "Sign Up"
Register & link accounts
Link all of your external financial accounts and get a comprehensive view of your financial life. Once you have linked your accounts, schedule a free consultation with a Personal Capital Advisor.
Talk with an Advisor
We'll discuss your investing goals, risk tolerance, retirement and planning for the big stuff like a new baby, starting a business, saving for college or remodeling your home.
Create your plan
You'll get a comprehensive assessment of your entire financial life. We'll help you identify your retirement goals to make sure we build an investment plan that fits your needs.
A Financial Plan Just For You
Our customizable wealth management program is designed around your individual circumstances. From basic to comprehensive financial planning, we offer:
UP TO $200K IN INVESTABLE ASSETS
Access to free online tools
and dashboard plus:
- Financial Advisory Team
- Tax Efficient ETF Portfolio
- Smart Weighting™
- 401k Advice
- Cash Flow & Spending Insights
- 24/7 call access including weekends and after-hours
$200K - $1M IN INVESTABLE ASSETS
Investment Service plus:
- 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
OVER $1M IN INVESTABLE ASSETS
Wealth Management plus:
- 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
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.