Personal Capital: $100 Visa Gift Card For Financial Advisory Sales Call

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Personal Capital is an investment advisory service that offers several free online financial tools as a way to introduce themselves to potential clients. I mention them once a quarter, as I use them to track my Humble Portfolio performance and asset allocation across various brokerage and 401k accounts. They also have various retirement planning tools for projecting required savings rates and future income. Below is a screenshot from my own account. (Morningstar recently started charging for their Portfolio X-ray service, leaving Personal Capital as one of the few such services left.)

After you sign up for their free tools, Personal Capital would usually call you once and introduce themselves and their services. They want to help you manage your portfolio for a management fee that is somewhere between the cost of the average 100% digital robo-advisor and a traditional human advisor from a Big Firm. If you politely decline, as I did, they won’t hard-sell and won’t call you again. (Much more pleasant than trying to cancel my cable service!) You can keep using their free software after that without hassle.

Now through 10/31/22, Personal Capital will explicitly pay you a $100 Visa gift card if you sign up for their free tools and receive a financial advisory analysis and sales call from them. You will need to sync up your investments accounts showing total investable assets of at least $250,000. You do not need to accept the proposal or pay for financial advice, but you do need to listen to their presentation.

Ready to take control of your finances? Plus get a $100 bonus? Use our free tools and make a plan with one of our expert financial advisors to get started. Terms, conditions, and eligibility rules apply. Valid now through 10/31/2022.

– Sign up for our free, easy-to-use financial tools—including our Retirement Planner
– Link your bank and investment accounts
– Receive your free financial analysis after talking with an expert
– Treat yourself with your FREE $100 Visa® gift card*

Offer fine print:

Offer available through Oct 31, 2022. If you schedule an appointment with a Personal Capital Advisor and participate in both an initial call and a second call in which you receive a recommendation and proposal for paid investment advisory services by Oct 31, 2022 (a “Recommendation”), then you will receive receive a $100 Visa®* Gift Card (the “Gift Card”). The Gift Card will be provided via email no later than Dec 31, 2022 through Thnks.com (“Thnks”), an independent third-party gifting platform. By participating in this promotion, you are agreeing to allow Personal Capital to share your email address with Thnks for Gift Card fulfillment purposes and agreeing that information collected from promotion participants may be used by PCAC or affiliates for marketing or solicitation of paid products or services.

The Gift Card is only available to prospective clients who receive a promotional offer. To qualify as a prospective client, you must: (1) have a minimum of $250,000 in investable assets, (2) not have redeemed a Personal Capital promotion in the previous 24 months, and (3) answer a suitability survey posed at the beginning of the initial call with a Personal Capital Advisor at which time the Advisor (at his or her sole discretion) will make a determination as to whether you qualify as a prospective client for paid advisory services offered by Personal Capital Advisors Corporation. Using an ad blocker may adversely affect our ability to determine your account eligibility in the program. This offer is not transferable and cannot be redeemed in any other manner. Final determination of eligibility is at Personal Capital’s sole discretion.

If you don’t want to listen to a full presentation, I would just sign up for the free tools and skip this offer. The free tools are useful just on their own. But if you want to hear what they have to say and maybe get a little free advice, then right now you can get a $100 gift card on top.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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Comments

  1. Thank you, they want to see you have at least $250K in brokerages before speaking with you/ to qualify for the promo?

  2. Their website can’t seem to sync accounts with very well known institutions.

    I signed up and tried to connect accounts with the Thrift Savings Plan and USAA Bank. The website just keeps saying it’s trying to import the data from these other institutions and this was after each of the accounts were validated with two factor authentication via cell phone texts. I keep getting a message: “We are having some trouble updating USAA. These issues are usually related to problems with a financial institution’s website and resolve themselves in a few days. We can notify you when this connection is restored.”

    This has been going on since this post was first posted. I’ve removed the external accounts and re-linked them and still having problems. I then connected a Wells Fargo account and that seemed to go fine.

    Interestingly, they don’t have a link to be able to connect HM Bradley (or Hatch Bank).

    One of their folks reached out to me via e-mail and asked me to connect external accounts – I wrote back (with screen shots) that their website was having issues and to fix them…and then contact me. We’ll see how they respond.

    • What a crappy website – Personal Capital can’t even connect to some of my external accounts.
      It will ping my external accounts, request a text SMS code, I’ll input it, and it will never fully complete the transaction and I get an error message after a few minutes.

      I’ve never had this much trouble with any of my banking institutions connecting with other ones.

      • The main account aggregator services that I am aware of are Intuit/Mint, Plaid, and Envestnet Yodlee. Nearly every financial institution uses one of these to connect to external accounts, and Personal Capital uses Envestnet Yodlee.

        • Thanks for that info…

          Have you done a prior article on these “Account Aggregator Services” before? I’d like to learn more about them.

          I have USAA and I use their website to show the balances for all my other financial services (ex. other banks, Fideltiy account, Thrift Savings, Plan, etc…)

          Interestingly, USAA only recently added the ability to see my HM Bradley balances…yet I was able to instantly set them up as a bank transfer partner with the routing number / account number.

          Is there a way to determine what service a particular bank uses??

  3. Looks like it is only for new signups. The link takes you to a page for new signups.

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