Personal Capital

Founded in 2009 by Bill Harris, Personal Capital pioneered a hybrid "cyborg" model of financial advice, combining a sophisticated technology platform for financial tracking and analysis with access to human financial advisors. The company provided free tools that allowed users to link all their financial accounts in one place to see their complete financial picture, including net worth and investment performance. Its primary business was providing paid wealth management services to clients, typically with over $100,000 in investable assets. In 2020, Personal Capital was acquired by Empower Retirement for approximately $1 billion. The integration was completed in early 2023, with the platform and services being fully rebranded as Empower Personal Dashboard (for the free tools) and Empower Personal Wealth (for the advisory services).