FinLife Helps You Live the Life You Want.
With FinLife® it’s not just about money—it’s about your entire life. Money is just fuel for living the life you want, which means something different for each person.
3 Steps to Living the Life You Want
FinLife® follows a simple three-step process:
Understand What’s Important to You
Our digital discovery process helps you gain an understanding of what’s important to you. We’ve created a unique set of diagnostic tools - like MoneyMind that help you clearly articulate your intentions, goals, preferences, and priorities, so your money is working toward the life you want. This helps us deliver a completely personal level of personal wealth management guidance and advice.
Implement Your Plan
Once your wealth management advisor has a clear understanding of what you want your money to accomplish, we help identify the trade-offs you are willing to make to achieve the life you want to live. What you determine with your advisor is used to create an individualized financial plan that is aligned with your priorities. Your financial plan is presented as a consolidated, dynamic view of your financial life.
Engage on Your Terms
Life is unpredictable. Our wealth management advisors believe that success comes when you engage regularly to adapt your plan as life unfolds. Our process helps you make financial decisions with confidence that are always relevant to your current circumstances and expectations.
1 – Understand What’s Important
Gaining clarity about your intentions and commitments is the first step to living the life you want. The unique approach FinLife® takes to goal-based investing focuses on the importance of you and your financial advisor understanding the life you want to live.
Money Is Only Fuel
MoneyMind® helps you understand how you and your loved ones relate to money. Understanding your biases around spending, saving, and planning is the first step to making clearer, smarter choices that connect your financial life to the life you want to live.
- Uncover your strengths and challenges with finances.
- Capture profound insights for discussion with your loved ones.
- Analyze spending, saving, and planning tendencies.
Focus On What You Care About
Our HonestConversations® exercise helps focus you on the intersection between what matters to you and what you can control. It also gives you the opportunity to get on the same page with your loved ones about your financial goals and intentions.
- Identify and clarify your intentions, motivations, and goals.
- Discuss the trade-offs around decisions and priorities.
- Use scoring to track and update progress on priorities.
Investment Portfolios Tailored to Your Preferences
The InvestmentViewfinder℠ helps you identify your investing preferences so your advisor can customize your portfolio to align with your financial plan.
- Facilitate an open dialogue about investments.
- Track investment expectations on cost, performance, protection, and taxes.
- Identify gaps in your existing investment portfolio.
2 – Implement Your Financial Plan
Once we gain a clear understanding of what you want your money to achieve, we create a customized plan, then measure, track, and update it as your life changes.
Know Where You Stand
Financial Control Scorecard® answers the question "Where do I stand financially today?". This provides valuable insight about whether your current savings and investments align with your spending and goals, so that your advisor can evaluate if a course correction is necessary.
- See if you are on track to meeting your financial goals.
- View your funding score, so you know where you stand at all times.
Prioritize Your Objectives
Our financial-planning software helps you establish and prioritize your financial objectives with the trade-offs you need to make along the way.
- Identify and prioritize your investment goals.
- Track your net worth in one easy screen.
- View and manage your outside accounts.
An Investment Portfolio Built Around Your Life
Your financial advisor will create a personalized, adaptable investment portfolio that is aligned with your target-risk profile and your current preferences. Then, they work with you to adapt your portfolio as your life and preferences change.
- Build investment portfolio recommendations customized to your goal-driven investing priorities and goals.
- See an aggregated view of investments and portfolio allocations.
3 – Engage On Your Terms
Goals change. Resources change. Markets change. Making sound financial decisions along the way is fundamental to living a great life. Together with your advisor, you have the power to navigate life’s course corrections with personalized roadmaps and support.
Track and Measure Your Goals
Your advisor creates your Priority Action List from your HonestConversations® exercise results. Your Priority Action List identifies the parts of your life that affect your financial goals and gives you a disciplined plan to address each item.
- Track where you stand towards achieving your goals.
- Measure your progress on outstanding action items.
An Advisor Available on Your Terms
GuideCenter® is a dynamic, easy-to-use online financial life management portal that helps you engage with your financial advisor to manage your financial life anywhere, anytime. It allows you to take charge through life’s changes with complete visibility and total 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 complete financial life in real time from any device.
- Communicate with your advisor 24/7 through email and VideoMessenger.
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United Capital Financial Advisers, LLC d/b/a Goldman Sachs Personal Financial Management (“GS PFM”) is a registered investment adviser and an affiliate of Goldman Sachs & Co. LLC (“GS&Co.”) and subsidiary of The Goldman Sachs Group, Inc., a worldwide, full-service investment banking, broker-dealer, asset management, and financial services organization. Advisory services are offered through United Capital Financial Advisers, LLC and brokerage services are offered through GS& Co., member FINRA/SIPC.
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.
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.
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. The material is based upon information which we consider reliable, but we do not represent that such information is accurate or complete, and it should not be relied upon as such. The information, data, analyses, and opinions contained herein include confidential and proprietary portfolio information of GS PFM, may not be copied or redistributed for noncommercial or personal purpose without GS PFM’s expressed permission.
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℠, GS PFM Financial Life Management®, and Financial Years of Freedom℠) are trademarks and service marks or registered trademarks and service marks of GS PFM or its affiliates in the United States and/or other countries.
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