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®
Tax
Optimization
Our sophisticated tax-optimization process focuses on three key areas: asset location, tax-loss harvesting, and tax efficiency.
Disciplined
Rebalancing
We review portfolios daily for rebalancing opportunities. This provides the potential for enhanced returns by creating a systematic way of buying low and selling high.
Smart
Weighting™
Smart Weighting provides more even exposure to factors such as size, style, and sector, ultimately providing better diversification for your portfolio.
Dedicated
Advisor
Your own dedicated service advisor will be there along the way to help with financial planning needs and behavioral coaching.
4.7
Tools Rating on the Apple App Store
As of 5/31/20
“… Personal Capital is the tool to beat.”
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.
| Tax Optimization | 1.00% |
| Disciplined Rebalancing | 0.20% |
| Smart Weighting | 0.39% |
| Behavioral Coaching | 1.50% |
| 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.
| First $1M | 0.89% |
| First $3M | 0.79% |
| Next $2M | 0.69% |
| Next $5M | 0.59% |
| Over $10M | 0.49% |
| Includes family tiered billing |
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Disclosure statement and acknowledgment: The statement is provided to you by ("Author") who have 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. 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. 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, Personal Capital Advisors Corporation (“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.
