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Invest Smarter

Our investment methodology is built upon sector and style weighting, risk minimization, and tax optimization. We’ll build a personalized portfolio based on your unique situation and goals.

Want to learn more about our investment strategies?

A Sound Strategy

measure your progress

We’ll help you plan your financial future by using our Retirement Planner to identify the optimal approach to meet your financial needs.

portfolio strategy

We’ll tailor your portfolio strategy to your specific financial situation and to your level of risk tolerance.

big picture

We’ll work with you to build an investment plan that is both cost and tax-efficient.

Our Investment Strategy

Our investing strategy improves upon the traditional index approach with our award-winning technology and lower cost, giving you a personalized portfolio strategy and a team of advisors to execute it.

See Our Performance

Personal Strategy® Investing Principles

Our Investment Committee oversees investing based on our five guiding principles:


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.

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.

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.

Investment Committee

The Investment Committee is dedicated to constructing and maintaining strategic investment portfolios. This process includes portfolio construction, security selection, portfolio monitoring, and trade oversight. The Committee combines expertise and decades of experience to build a wide range of portfolios designed to help clients like you meet their financial goals.

Headshot of Craig Birk, CFP®Craig Birk, CFP®Chief Investment Officer
Headshot of Michelle BrownsteinMichelle Brownstein, CFP®VP of Private Client Services
Headshot of James BurtonJames Burton, CFP®Chief Marketing Officer
Headshot of Lacey CobbLacey Cobb, CFA, CFP®Director of Advice Solutions
Headshot of Brendan ErneBrendan Erne, CFA, CSRICDirector of Portfolio Management
Headshot of Kyle Ryan, CFP®Kyle Ryan, CFP®EVP of Advisory Services

Key Contributors

Over the years, our approach to long-term wealth management has been shaped, in part, through advice from an impressive group of key contributors.

We’ve partnered with a Nobel Prize winner, the founder of Personal Capital who is a former CEO of Intuit and PayPal, a former chair of the Certified Planning Board, a former SEC Commissioner who supports investor rights and the fiduciary standard, a Fintech innovator and investor, and a former head of Stanford University’s $20+ billion endowment fund.

Headshot of Harry Markowitz, PhDHarry Markowitz, PhDNobel Prize Winner and Father of Modern Portfolio Theory
Headshot of Bill HarrisBill HarrisFounder of Personal Capital
Headshot of Karen SchaefferKaren Schaeffer, CFP®Former Chair of the CFP® Board
Headshot of Luis AguilarLuis AguilarFormer Commissioner at the Securities and Exchange Commission
Headshot of Mark GoinesMark GoinesFintech Innovator and Investor
Headshot of John PowersJohn PowersIn MemoriamFormer Head of the Stanford University Endowment

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.

Advisory services are offered for a fee by PCAC, a wholly owned subsidiary of PCC, an Empower company. PCAC is a registered investment adviser with the Securities Exchange Commission ("SEC"). SEC registration does not imply a certain level of skill or training. Past performance is not a guarantee of future return. Investing involves risk. Personal Capital and the Personal Capital logo are trademarks of PCC. All other trademarks, trade names, or service marks used or mentioned belong to their respective owners.