Been using Personal Capital for over 9 years and it is very useful to be able to see your financial history at your fingertips. I have bought 2 homes and sold 1, been through market cycles, tracked retirement accounts and other financial accounts, and everything is there to see in the app and online. There is also other useful features like the retirement planner which allows you to get a good high level view of your retirement progress and add future events like home renovations or vehicle purchases, and asset allocation analysis and budget tracking. Really powerful financial tools!
They started out not offering additional advisory services but eventually moved into that space. It is optional, but they are somewhat pushy trying to get you to speak with their advisors (which is a paid service!). They will cold call about 1-2x per month. Luckily you can opt out of the paid advisory service and just use the financial tracking with the app which is still a useful benefit. I am sure they also get a handle on your “data” to understand aggregate trends of their customers (and who knows what else??). In any case, overall a fairly useful service!
