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John Capets


John Capets is responsible for overseeing the day-to-day activities and managing the team of advisors at the Charlotte office of Goldman Sachs Personal Financial Management, within the Consumer and Wealth Management Division of Goldman Sachs. He also provides financial life planning for individual investors.

He has been providing financial advice to individuals and small businesses for more than 35 years. He helped found Harbor Capital Management, Inc., what is now Goldman Sachs Personal Financial Management. Prior to that he was a retirement consultant for Corporate Plans & Services and Brokerage Manager at State Mutual of America.

John graduated from the Indiana University of Pennsylvania with a B.S. in Finance and has earned an MBA from the University of North Carolina at Charlotte.

John and his wife, Sally, reside in Huntersville, NC, and have three adult sons. They enjoy a number of active pursuits, including hiking, biking, sailing and traveling.

Investment advisory services offered by United Capital Financial Advisers, LLC d/b/a Goldman Sachs Personal Financial Management (“GS PFM”), a registered investment adviser and an affiliate of Goldman Sachs & Co. LLC (“GS&Co.”), member FINRA/SIPC, and subsidiary of The Goldman Sachs Group, Inc. a worldwide, full-service investment banking, broker-dealer, asset management, and financial services organization. GS PFM does not provide legal, tax, or accounting advice. Clients should obtain their own independent legal, tax, or accounting advice based on their particular circumstances.