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Investment management tailored to you

You are unique, so we believe your investment portfolio should be, too.

That's why your PFM advisor will partner with you to develop and implement an investing strategy built entirely around your unique needs, goals, risk tolerance and investing preferences, making adjustments with you as your life unfolds. Your advisor will:

  • Employ Goldman Sachs' best thinking to design an asset allocation tailored to you.
  • Work with the investment team to build a customized portfolio that includes "best-in-class" managers.
  • Review and update your portfolio with you as your goals, circumstances and market conditions change.
Financial Planning Investment Strategy

How we build your portfolio

Accessing Goldman Sachs investment resources and experience, our advisors will build a portfolio aligned with your investing preferences, priorities and values.

Build Asset 1

Build your plan

Understand your needs.

Know your financial priorities.

Identify your risk preferences.

Contruct Asset 2

Construct your portfolio

Determine your ideal mix of managers.

Create a customized portfolio.

Manage rebalancing and oversight.

Research Asset 3

Manage your portfolio

Identify your optimal asset mix.

Consider return, risk and suitability.

Build a curated list of managers.

Creating a customized portfolio

Your advisor accesses the resources of Goldman Sachs to determine your ideal asset allocation and constructs a portfolio that connects with your plan and preferences to maximize your return on life.

  • Incorporate a curated set of investment managers and strategies to personalize your portfolio.
  • Provide ongoing oversight and performance management of your portfolio.
  • Research market trends to help give you a deeper understanding of the financial markets.
PFM Portfolio framework

World-class investing solutions

We offer a vast array of investing solutions with carefully vetted portfolio managers and strategies.

  • Our investment choices include mutual funds, ETFs, custom solutions and sophisticated "alternative" investments.
  • Goldman Sachs conducts thorough due diligence and ongoing manager oversight on over 500 external managers.*
  • Access the proprietary investing strategies of Goldman Sachs Asset Management and the firm's deep experience across asset classes.
Portfolio framework3

Leveraging Goldman Sachs' investing intelligence

The Goldman Sachs Private Wealth Management Investment Strategy Group (ISG) makes recommendations for various asset classes based on your investment objectives and risk tolerance. ISG's experienced team:

  • Conducts extensive proprietary research on long-term asset allocation and near-term market moves.
  • Identifies ideal balance of risk and return, leveraging years of proprietary research.
  • Monitors daily market developments to identify investment opportunities.
Portfolio framework2

Monitor: GuideCenter keeps you up to date1

Keep tabs on your investments with GuideCenter®, a dynamic, easy-to-use online financial life management portal that helps you engage with your advisor to oversee your finances anywhere, anytime. It allows you to take on life’s changes with clarity and control—no matter how complex life can become.

  • Access, store, and share all of your financial information in one place including accounts, portfolios, and goals.
  • View your financial life in real time from a phone, computer, or tablet.
  • Communicate with your advisor through email and VideoMessenger.

Financial management that empowers you

Our unique investment proposals create a custom profile built just for you—taking into account cost and other factors to help you maximize your return on life today, and tomorrow.

Portfolio Proposal Flipbook 540x400 03 05 19

Your advisor is a partner in your corner, backed by the power of Goldman Sachs

Find a personal financial advisor near you.

With over 80 offices with experienced advisors nationwide and more than 2,000 professionals developing investment solutions, you can find an advisor who will create a financial plan tailored to your personal goals.

Advisor locations
Guide video preview

*Managers subject to change.

**As of March 31, 2019.

1 For illustrative purposes only; not reflective of any particular account.

Investment advisory services offered through United Capital Financial Advisers, LLC d/b/a Goldman Sachs Personal Financial Management (“GS PFM”), a registered investment adviser. GS PFM makes recommendations based on the specific needs and circumstances of each client. Clients should carefully consider their own investment objectives and never rely on any single chart, graph, or marketing piece to make decisions. Investing involves risk, and investments may lose value. There are no investment strategies that guarantee a profit or protect against loss.

The information contained herein is intended for informational purposes only, is not a recommendation to buy or sell any securities, and should not be considered investment advice. 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.

All names, logos, and slogans identifying GS PFM or GS PFM’s products and services (including, without limitation, HonestConversations®, MoneyMind®, FinLife®, Financial Control Scorecard®, Live Richly℠, We Help You Live Richly℠, Helping People Live Richly®, One Best Financial Life®, Ideal Life Index®, GuideCenter®, InvestmentViewfinder℠, United Capital Financial Life Management®, and Financial Years of Freedom℠) are trademarks and service marks or registered trademarks and service marks of United Capital or its affiliates in the United States and/or other countries.

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