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A Personalized Approach To
Your Portfolio

Personal Strategy® is a globally diversified multi-asset class portfolio built with individual stocks and ETFs, designed and managed specifically for you.

By combining our robust technology with the expertise of our financial advisors, we can deliver a truly personalized solution. This means you will get a strategy that’s directly linked to your financial goals, with enhanced diversification that can ultimately lead to a better financial outcome for you. And once your Personal Strategy is in place, our advisors can help you with financial planning, retirement, education saving, and more.

How does it work?

1.

Portfolio Building

All our model portfolios utilize our proprietary Smart Weighting methodology and are designed to maximize return for a given level of risk.

2.

Strategy Selection

Your portfolio personalization starts with our strategy selection algorithm, driven by factors that are unique to you.

3.

Dynamic Portfolio Allocation

We implement and maintain a dynamic portfolio allocation for you that changes over time as your financial situation evolves.

4.

Monitoring and Maintenance

We monitor your portfolio, and make adjustments as needed. This includes disciplined rebalancing, and tax optimization strategies such as tax loss harvesting.

The Result:

A sophisticated, transparent and custom portfolio—Personal Strategy.

Benefits of Your
Personal Strategy®

Benefits & Fees

Our Benefits

What do you have to gain by choosing Personal Capital as your wealth management partner? Here is a cost-benefit analysis of our personalized approach to wealth management.

Enhance your annual return by up to:
Tax Optimization1.00%
Disciplined Rebalancing0.20%
Smart Weighting0.39%
Behavioral Coaching1.50%
Financial planning is a core part of our offering and included in our services at no additional cost. Some advisors charge hourly rates for these types of services that usually range from $150 to $400 per hour. That means you could expect to pay anywhere from $2,000 to $5,000 for a single planning item like generating a retirement plan.*

*Jesse Neugarten, "What Fees Do Financial Advisors Charge?" Investopedia (January 10, 2020)

Our Fee
Structure

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.

Disclosure statement and acknowledgment: The statement is provided to you by ("Author") who has entered into a referral agreement with Personal Capital Corporation ("PCC"), through which Author will be paid between $70 and $150 for each person who uses this webpage to register with Personal Capital and links at least $100,000 in investable assets to Personal Capital's free Financial Dashboard (“Dashboard”). Author may also be eligible to participate in an additional bonus compensation program through which the Author will be paid additional compensation based on achievement of certain goal metrics related to the number of people who link investable assets to the Dashboard during a given time period. Eligible participants in the bonus compensation program and the goal metrics are established by PCC at its sole discretion. Author is not affiliated with PCC and Author's services consist solely of referrals of prospective clients. As a result of this arrangement Author may financially benefit from referring potential clients to Personal Capital and has an incentive to present content favorable to PCC or Personal Capital Advisors Corporation (“PCAC”). No fees or other amounts will be charged to investors by Author or Personal Capital as a result of the Referral Arrangement. Investors that are referred to PCC and subsequently subscribe for investment advisory services provided by PCC’s affiliated adviser, PCAC will not pay increased management fees or other similar compensation to Author, PCC, or PCAC as a result of this arrangement. Additional information about PCAC is contained in Form ADV Part 2A.