We suggest that you speak to someone on your advisory team directly about all of the different options available to withdraw funds from your Personal Capital investment account. If you’re a client, the Savings Planner converts to our Smart Withdrawal Planner™ once you retire. It is divided into three tools, Retirement, Emergency Fund, and Debt Paydown.Retirement examines how much you should save based on the Retirement Goals you have created in your Retirement Planner Plan. ... We are Personal Capital's … This helps you withdraw funds without incurring greater tax liabilities. It uses advanced tax forecasting to predict your optimal account withdrawal order in retirement. How does Personal Capital make money? Take control of your money now with Personal Capital. On the other hand, Personal Capital offers a broader array of services for their higher fee, including personalized estate, tax and legacy planning. The Savings Planner is a feature that allows you to understand how much you are saving and how that compares to what you should be saving. Personal Capital's personalized approach takes a holistic view of a client's financial picture — not just the assets it manages. Betterment aims more at helping you manage your portfolio needs, such as helping you set goals for retirement or creating a tax-smart withdrawal plan during retirement. Personal Capital shines when it comes to retirement resources, which include the proprietary Smart Withdrawal tool, designed to maximize retirement income by … Personal Capital makes its money as a financial advisor, which is currently offered only for investment portfolios of $100,000 or more. Fortunately, tools such as Smart Withdrawal can help take the guesswork out of your retirement withdrawals. Learn More about our Smart Withdrawal tool. Personal Capital has a new feature called Smart Withdrawal as an addition to our popular Retirement Planner tool. If you are unsure of your advisory team’s contact information, please email service@personalcapital.com . Smart Withdrawal is available exclusively to the paid advisory clients. Paid services include a financial road-map, a personal strategy, smart withdrawal and employer plan analysis. Manage your assets and investments, get objective advice and strategies, all at PersonalCapital.com. Traditional approach: Withdrawals from one account at a time The effect is a more stable tax bill over retirement and potentially lower lifetime taxes and higher lifetime after-tax income. Available to investors who work with a Personal Capital … Personal Capital Corporation. Personal Capital - Investing. To get started, consider these 2 simple strategies that can help you get more out of your retirement savings, depending on your personal situation. Our Smart Withdrawal feature creates a withdrawal schedule for you based on your financial situation and goals. What does Personal Capital cost? 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