Personal Capital at a glance

Account minimum

Account management, planning or subscription fee

Tiered fee depends on account balance:

  • First $1 million: 0.89%.

  • Up to $3 million: 0.79%.

  • Up to $5 million: 0.69%.

  • Up to $10 million: 0.59%.

  • Over $10 million: 0.49%.

Setup or onboarding fee

Account fees

Advisor access and credentials

All clients have access to a team of financial advisors. Clients with balances of $200,000 or more are assigned two dedicated financial advisors. Certified financial planners are available upon request.
Financial planning services

Can advise on a majority of situations covered by full-service financial planning firms; estate planning available with a $1 million account balance.
Investment expense ratios

Average 0.08%.
Brokerage options

Clients must move money to Personal Capital's custodian, Pershing Advisor Solutions.
Portfolio construction

Customizable on client-by-client basis.
Accounts supported

  • Nonretirement accounts.

  • Roth, traditional, rollover and SEP IRAs.

  • Trusts.

  • Cash account (not charged management fees).

Personal Capital will advise on 401(k) and 529 plan allocations, but does not directly manage those accounts.
Tax strategy

Tax-loss harvesting on portfolios that hold ETFs and individual stocks. Retirement paycheck feature recommends tax-optimized retirement-withdrawal strategies.
Customer support options (includes website transparency)

Phone and email support available 24/7.