Personal Wealth
Personal Wealth
A dedicated advisor delivering custom investment management, intellectual capital, and financial planning to high-net-worth individuals.
The Personal Wealth Client Experience
Custom Investment Management
Access to the Goldman Sachs proprietary investment platform,1 asset allocation guidance, and portfolio implementation with tax-efficient solutions and proprietary alternative investments.2
Intellectual Capital
Benefit from timely economic and market intelligence, guidance on implications of regulatory and tax policy changes, and analysis from business and cultural leaders.
Financial Planning
Advisors can provide in-depth planning on multi-year cash-flow, liquidity and lending, risk management and insurance, taxes for investments and liquidity events, retirement, your estate, philanthropic goals, and more.
“
To help optimize your financial life, we deliver strategies proven over Goldman Sachs’ 150+ year history.”
David Fox
Head of Personal Wealth
Custom Wealth Management and Financial Planning Tailored To Your Needs
Investments
- Actively managed portfolios based on Investment Strategy Group (ISG) asset allocations aligned to risk profile, tactical tilts, sustainability, and more
- Ongoing investment strategy that contemplates order of operations of spend, tax efficiency, risk adjusted returns, short- and long-term goals, and risk tolerance
Insurance
- Evaluate coverage needs for life and long-term care (LTC)
- Provide solutions on income strategies, income replacement strategies, and wealth transfer strategies consistent with family wealth objectives
- Provide insurance strategies for wealth protection
Tax Planning
- Can implement tax-efficient investment strategies, including tax-loss harvesting and charitable giving
- Access to third-party tax preparation solutions3
Estate Planning
- Coordinate asset ownership and beneficiaries in respect to investments (beneficiary reviews for IRAs/trusts)4
- Provide access to tax-effective wealth transfer strategies and trust advisory services4
- Review core estate plan documents with client’s attorney (e.g., wills, revocable trusts, ancillary documents) to optimize wealth preservation4
Cash-Flow Strategy and Lending
- Forecast liquidity needs
- Deliver long-term cash-flow models
- Provide referrals for various types of loans, including private stock considerations (as appropriate)
- Access a full suite of lending solutions, from loans against securities to structured loans
- Generate liquidity to meet financing needs while maintaining your investment strategy
Retirement
- Forecast spending and asset sufficiency through retirement
- Deliver long-term wealth accumulation strategies and models to understand implications in retirement of current financial decisions
Banking
- Access cash management products and earn attractive returns on cash
- Lock in compelling rates for fixed terms available for tax planning, planned purchases, or cash management strategies
- Manage cash easily and flexibly through your brokerage account with a suite of payment services
Insights from Goldman Sachs Ayco
1 For eligibility criteria, contact a Goldman Sachs Ayco financial advisor. Investment management services come at additional cost. Investible assets must be custodied with Goldman Sachs to have access to these offerings.
2 Alternative investments may involve a substantial degree of risk, including the risk of total loss of an investor’s capital and the use of leverage, and therefore may not be appropriate for all investors
3 Tax-preparation and filing services are offered by a select third-party provider who may incur additional fees
4 Goldman Sachs Ayco does not provide legal advice, clients should consult with an attorney before implementing any legal strategy
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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.
As of March 28, 2025, The Ayco Company, L.P. changed its legal name to Goldman Sachs Wealth Services, L.P.