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Paladin Research Report for: Personal Capital

Personal

Paladin Transparency Index (PTI)

4.0

Data compiled from company, regulatory agency (SEC, FINRA), and third party websites. Did Not Disclose (DND) means Paladin could not find this information on the Internet. Advisory firms can submit updated information to Paladin Research. Paladin will update the OFA report if it can validate the information.

  • Type of Financial Firm: Online Financial Advisor (OFA)
  • URL: www.personalcapital.com
  • Year Established: 2011
  • Headquarters Location: Redwood City, CA
  • Most Recent Update: 8/25/15

Types of Financial Services

  • Investment advice and services Planning advice and services

Registration & Licensing

  • SEC: 801-72613
  • CRD: 155172
  • IARD: 155172
  • Disclosures (SEC.gov): No disclosures

Contact Information

  • Email: Yes, registration required
  • Telephone: 855-855-8005
  • Human Contact: Yes
  • Type of Contact: Email, phone, web chat, or in person at Personal Capital's office

Minimums

  • Minimum Asset Requirement: $100,000
  • Minimum Fee: None
  • Free Offer(s): When you sign up with Personal Capital, and link your accounts, you will receive a "free customized wealth management experience"

Combined Fees

  • Service Initiation Fees: None
  • Annual Fee: Wealth Management services are .49% to .89% based on assets
  • Annual Third Party Fee(s): Possibly
  • Examples of Third Parties: ETF's, Index Funds, Mutual Funds, Broker/Dealers

Scope of Business

  • Number of Users: 5028 (Source: ADV; as of 8/25/15)
  • Assets (Paid): $1,518,220,789 (Source: ADV; as of 8/25/15)
  • Assets (Free): None

Investment Services

  • Number of Portfolios: DND
  • Types of Investments: Individual stocks, ETF's
  • Investment Managers: Varies by type of investment, Personal Capital

Additional Investment Services

  • Data Aggregation Services: Yes
  • Tax Loss Harvesting: Yes
  • Rebalancing: Yes
  • Account Liquidity: 1-5 days
  • Investor Discretion: DND

Additional Information

  • Clearing & Custody: Pershing
  • Mobile Application: Yes

Paladin Transparency Rating (PTI)

  • 4.0

Interview

  • None

Comments

  • Personal Capital provides a platform for your to link all of your financial accounts (checking, savings, retirement, brokerage, mortgages, and loans) so you can see your total financial picture. Personal Capital will analyze and make free recommendations. You can implement the recommendations yourself, or you can sign up for their managed account which does have an annual management fee. Special concierge services for high-net worth clients (Over $1 Million). 'Retirement Planner' calculator which can help you build a detailed plan for retirement.

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