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With Goldman Sachs Ayco, You Can Expect

An Experienced Financial Professional

Our advisors and coaches all undergo a rigorous training program immersed in the unique compensation and benefits offered to their clients.

Custom Investment Strategies

Leverage proprietary and open-architecture solutions on the Goldman Sachs wealth platform and asset allocation recommendations from the Wealth Management Investment Strategy Group.¹

Comprehensive Financial Guidance

Across eight key financial planning disciplines: benefits and compensation, retirement, cash-flow, liquidity management, investment, estate, taxes, and risk management and insurance planning.

Intellectual Capital

Access timely economic and market insights, guidance on implications of regulatory and tax policy changes, and analysis from business and cultural leaders.

Banking and Lending Opportunities

Manage your cash-flow and liquidity needs with Goldman Sachs cash management products, payment services capabilities, and access to lending opportunities.

Over 50+ Years, We’ve Refined Best Practices for Supporting Executives’ Financial Needs

1.6T

Wealth Management assets under supervision

94%

of client survey respondents agree Executive Wealth helps achieve financial goals

14.5K

Executive relationships

Assets under supervision and executive relationship data sourced from Goldman Sachs internal reports, as of December 2024. Client survey response data sourced from survey fielded in January 2023 by Goldman Sachs Ayco. The survey was sent to 12,970 individuals who were clients of at least 12 months, and results are only inclusive of the 2,114 clients who responded. Results are not indicative of future outcomes and should not be relied upon as such.

Featured Programs

Executive Wealth

Our dedicated advisors deliver full-service wealth planning, coordination, and implementation assistance to help busy leaders optimize the financial planning opportunities that come with their role and their time.²

Personal Wealth

High-net-worth individuals and families can access custom investment management and the Goldman Sachs investment platform by working directly with our team of wealth advisors.

Insights from Goldman Sachs Ayco

More Insights from Goldman Sachs Ayco

1. Only available to Executive Wealth and Personal Wealth clients.
2. Clients determine if / how financial planning guidance should be implemented. Any implementation of financial plans through Goldman Sachs Ayco or an affiliate is done so by entering into separate agreements.

Intended Audience

This material is generally intended for eligible clients of PWM and Goldman Sachs Wealth Services, L.P. and/or prospective clients who meet the eligibility requirements to be clients of PWM or Goldman Sachs Wealth Services.

Cash Management Products

Bank Deposit Accounts and Term Deposits are offered through Goldman Sachs & Co. LLC and placed at GS Bank USA. Member FDIC. Private Wealth Savings Accounts are provided by Goldman Sachs Bank USA. Member FDIC. Cash management products and services are available to eligible clients in select jurisdictions.

Investment Products are:

NOT FDIC INSURED ∙ NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GOLDMAN SACHS BANK USA ∙ SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.

Entities Providing Lending Services

Loans, including securities-based loans, may be offered by Goldman Sachs Private Bank, a business unit of Goldman Sachs Bank USA, a New York state-chartered bank and a wholly-owned subsidiary of The Goldman Sachs Group, Inc. Margin loans may be offered by Goldman Sachs & Co. LLC, a wholly-owned subsidiary of The Goldman Sachs Group, Inc., or one of its affiliates.

Securities-Based Lending Important Information

Loans collateralized by securities may not be appropriate for all parties and carry a number of risks, including the risk of a market downturn, tax implications if pledged securities are liquidated, and the potential fluctuation in interest rates. If the value of pledged securities declines below certain levels, the client (with assistance from their advisor) may be required to pledge additional collateral, rebalance existing collateral through trading, or pay down the loan to avoid the forced sale of securities to meet collateral maintenance requirements. Subject to applicable law, pledged securities may be sold with or without advance notice to the client to cover the deficiency at the bank’s sole discretion. Clients should understand the possible adverse tax consequences associated with the sale or pledge of their securities when considering whether a securities-based loan is appropriate for them.

Goldman Sachs Bank USA (“GS Bank”) is a New York state-chartered bank and a wholly-owned subsidiary of The Goldman Sachs Group, Inc. GS Bank is a member of the Federal Reserve system and Member FDIC. Goldman Sachs & Co. LLC is registered with the Securities and Exchange Commission (“SEC”) as both a broker-dealer and an investment adviser and is a member of the Financial Industry Regulatory Authority (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”).

Goldman Sachs Wealth Services Disclosures

Advisory services offered by Goldman Sachs Wealth Services, L.P. (the “Adviser”), a registered investment adviser, affiliate of Goldman Sachs & Co. LLC ("GS&Co."), and a subsidiary of The Goldman Sachs Group, Inc., a worldwide, full-service investment banking, broker-dealer, asset management, and financial services organization. Goldman Sachs Ayco is a brand of Goldman Sachs Wealth Services, L.P. Brokerage services are offered through GS&Co. and Mercer Allied Company, L.P. (a limited purpose broker-dealer), both affiliates of the Adviser and members FINRA/SIPC.

Goldman Sachs Wealth Services Privacy Policy

Goldman Sachs Wealth Services Privacy Notice

Goldman Sachs Wealth Services Customer Relationship Summary

GS&Co. Customer Relationship Summary

Mercer Allied Customer Relationship Summary

Goldman Sachs Wealth Services Disclosures

ISO 27001 Certificed by Schellman

As of March 28, 2025, The Ayco Company, L.P. changed its legal name to Goldman Sachs Wealth Services, L.P.

Financial Planning & Wealth Management