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Rating: 7.3 / 10 (Very good)
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Personal Capital is a California-based personal financial advisory and wealth management company. Its eponymous software is designed to function as a dashboard on desktops and mobile devices so consumers can easily review their financial status and investments. The software can help manage cash flow, track investments, plan for retirement, and more.
 
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How Do We Rate Personal Capital?

Breakdown

5.0/5
Ease of Use
4.0/5
Features
4.5/5
Data Protection
0.0/5
Cost

Our Overall Rating: 3.6 / 5 (Very good)

Personal Capital really hits the mark in several areas thanks to its assorted services and practicality. Its advisor-based wealth management services are targeted towards high-income individuals, but the software's basic tools and comprehensive personal finance dashboard are accessible and completely free. Additionally, customer satisfaction with the software is largely positive and powerful security measures protect your information.

Personal Capital Services & Features

Ease of Use - 5 / 5

Personal Capital offers comprehensive financial planning via a combination of innovative tools and registered financial advisors. Users add in their account information, then the software shows your net worth, key holdings, returns, and more in a seamless dashboard.
Investment Advice for Beginners
Yes
Investment Suggestions
Stocks
Bonds
Mutual Funds
Index Funds
Real Time Stock Ticker
Yes
Dividend Analysis
Yes
Retirement Planning
Yes
Other Services
Budgeting
Credit Cards
Mortgages
Taxes
Savings

Advisors

Personal Capital advisors can act as a fiduciary on your behalf and fully abide by the Fiduciary Standard.

Portfolio Manager

Personal Capital offers a highly customizable portfolio based on your unique situation and goals. The company tailors your portfolio strategy to your specific financial situation and to your level of risk tolerance.

Personal Capital Pricing

Features - 4 / 5

Personal Capital's financial software is free and requires no additional payments for its basic services. Its wealth management tools, however, do require at least $200k in investable assets plus paying a management fee of 0.89%/yr (first $1 million).
Subscription Model
Personal Capital charges a fee for users of its advisory-based wealth management services. Those with under 1 million dollars in investable assets must pay 0.89% per year, while those with over that amount in assets must pay increasingly higher fee rates.

Personal Capital Customer Support

Data Protection - 4.5 / 5

Personal Capital, formerly known as SafeCorp Financial Corp, was founded in 2009 and publicly launched in 2011. Its mobile app is well-designed and highly practical for its seamless integration with the desktop software. The company has a D rating in the BBB as a result of failing to respond to 1 complaint and the length of time the business has been operating. On the other hand, its Trustpilot score is a great 8.6, with over 350 reviews.
Year Founded
2009
BBB Rating
D
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
1
Trust Pilot Rating
8.6 out of 10
Date Collected
2018-06-04
Mobile App
Yes
Support Hours
24/7 support
Contact Method
Phone
Online Form

Company Profile

Full Name
Personal Capital
Company Website
https://www.personalcapital.com
Headquarters
One Circle Star Way, First Floor, San Carlos, CA, 94070
Top Rated
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  • Free, award-winning financial tools
  • See your net worth
  • Financial management tailored to your life
  • Build a customized retirement plan
  • Data-driven portfolio management
  • Seamless desktop-mobile integration
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