Personal Capital is a financial technology company that offers a suite of online financial tools and wealth management services. The company primarily serves individuals looking to take control of their financial lives, with a focus on those planning for retirement or managing significant assets. Operating in the financial technology (FinTech) market, Personal Capital combines advanced technology with personalized financial advice to help clients manage their money more effectively.

The business model of Personal Capital revolves around providing free financial tools and premium advisory services. The free tools include budgeting, net worth tracking, savings planning, and investment checkups. These tools are designed to give users a comprehensive view of their financial situation, helping them make informed decisions. The Retirement Planner, one of their standout tools, allows users to build, manage, and forecast their retirement plans in one convenient place.

Personal Capital makes money primarily through its wealth management services. Clients with over $100,000 in investable assets can opt for personalized financial advisory services, which include investment management, retirement planning, and estate planning. The company charges a percentage of the assets under management (AUM) as a fee for these services. As of the latest data, Personal Capital manages over $12.6 billion in assets, highlighting its significant presence in the wealth management sector.

Security is a top priority for Personal Capital, with their encryption rated A by Qualys SSL Labs, a stronger rating than most major banks or brokerages. This ensures that users' financial data is protected against vulnerabilities.

In summary, Personal Capital offers a blend of free financial tools and premium advisory services, targeting individuals looking to manage their finances and plan for retirement. The company operates in the FinTech market and generates revenue through asset management fees.

Keywords: FinTech, financial tools, wealth management, retirement planning, budgeting, investment management, advisory services, asset management, security, financial planning.