Connect with a financial advisor: 833-346-5433
Connect with a financial advisor

Welcome to
Guidance-Driven Investing

Ultimately, money is a resource to help you live your best possible life. Because your goals are unique, we believe your investment portfolio should be, too. Your advisor will engage in a collaborative process that takes the guesswork out of investing.

  • We take time to learn your goals and priorities.
  • You can make clear, informed decisions.
  • We build a financial plan, so that your investments can help you lead the life you want to live.
Financial Planning Investment Strategy

How do we build a portfolio?

We build a customized, personalized portfolio tailored to your preferences using our investment tools. Here’s how:

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Learn how your personal investing preferences may have a big impact on your investment portfolio.

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Compare your preferences against your current portfolio and align them to your target risk profile.

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Our advisors will build portfolios customized to your priorities and goals, using strategies managed by experienced, professional portfolio managers.

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Monitor and adjust your investments as your life and priorities change.

Understand Your Investment Preferences

The InvestmentViewfinder provides simple questions that show you how your investment preferences can have a great impact on your portfolio.

  • Participate in an open dialogue about investments with your advisor.
  • Understand the benefits and trade-offs to your investment decisions.
  • Prioritize investment attributes to help your advisor create your customized portfolio.

GSPFM investment Viewfinder

Evaluate: Compare Your Preferences to Your Portfolio

We believe there’s no such thing as a one-size-fits-all portfolio. The financial plan you build with your advisor, and your output from the InvestmentViewfinder exercise, helps to determine the investment attributes most important to you and the benefits and considerations to each.

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Seeks higher relative returns in the long run (a full market cycle).

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Low-Cost Tracking

Seeks to closely and predictably match its benchmark at a low cost.

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Seeks to mitigate against severe bear market declines.

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Tax Advantaged

Seeks to lower taxes in the long run (a full market cycle)

Build: Create Your Customized Portfolio

Your advisor will build your customized portfolio with a core strategy and specialized solutions, based on your goals and your suitability for certain investments. The core strategy provides exposure to stocks and bonds, while specialized investments will complement your portfolio with active equity strategies, personalized tax-managed strategies, or values-based strategies.

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Start With Your Customized Core

Core portfolio
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Leverage InvestmentViewfinder Results

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Build Your Personalized Portfolio

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Monitor: GuideCenter Keeps You Up to Date

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.

An Investment Proposal that Empowers You

Our unique investment proposals create a custom profile built just for you—evaluating taxes, performance, cost, and protection. Each proposal is designed especially to help you.

Browse a Proposal

Meet Goldman Sachs PFM Chief Investment Officer, Kara Murphy, CFA®

Interested in hearing what a leading expert has to say about the current market conditions? Every month, our CIO, Kara Murphy, writes her market commentary to keep you updated on the latest market trends and conditions.

Read Kara’s Commentaries

More Than 240 Financial Advisors In 100 Offices To Serve You

Find your local advisor and plan your financial future. With more than 240 financial advisors across 30 states and 100 offices, we can help you implement a financial plan tailored to your personal goals.

See All Financial Advisory Locations

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.