Goldman Sachs Ayco

Goldman Sachs Ayco occupies a specific niche that most wealth management firms ignore: the intersection of corporate benefit plans, executive compensation, and personal financial planning. The firm operates as a brand of Goldman Sachs Wealth Services, L.P., and its primary distribution channel is through employer-sponsored programs rather than direct-to-consumer marketing. That structure shapes everything about how the service is delivered and who it reaches.

Ayco positions its advisors as a "Personal CFO" for each client, coordinating across existing professional relationships and covering seven financial planning disciplines:

• Benefits and compensation planning
• Retirement and cash flow planning
• Investment management via the Goldman Sachs wealth platform
• Estate and gift planning
• Tax planning and strategy
• Risk management and insurance

The Personal Wealth offering extends this to high-net-worth individuals seeking custom investment management with access to Goldman Sachs asset allocation and proprietary investment products. The firm's Tax Policy and Research team publishes detailed guidance on legislative changes such as the One Big Beautiful Bill Act, which signals genuine depth in technical tax advisory rather than surface-level content marketing.

For family office principals evaluating Ayco, the relevant question is fit. The platform is built around the corporate executive client, not the multigenerational family or complex entity structure. If the wealth owner is a current or former public company executive with equity compensation, deferred compensation, or complex benefit arrangements, Ayco's employer-channel expertise is genuinely difficult to replicate elsewhere. For principals whose complexity centers on private operating companies, trust structures, or multi-generational governance, Goldman Sachs Private Wealth Management may be a more appropriate entry point within the same firm. Pricing is not disclosed publicly.

• Executive compensation and benefits optimization
• Comprehensive financial planning across tax, estate, retirement, and cash flow
• Custom investment management via the Goldman Sachs platform
• Estate and gift planning including charitable giving strategy
• Employer-sponsored financial wellness and personal planning programs
• Post-death financial support for employees and families via SurvivorSupport

• Personal CFO model with single point of contact for the full household
• Custom investment strategy using proprietary and open-architecture Goldman Sachs solutions
• Coverage of seven financial planning disciplines in one engagement
• Dedicated advisor for executive wealth clients
• Financial wellness digital platform with coaching and group education
• SurvivorSupport program for employees following loss of a family member
• Tax Policy and Research team with legislative analysis and planning guidance
• Donor advised fund and charitable giving strategy advice
• Access to Goldman Sachs Wealth Management Investment Strategy Group asset allocation
• Corporate employee financial wellness programs including digital platform access

Built for Private Wealth Owners / Principals, Advisors / Wealth Advisors (RIA).

Dedicated financial advisor assigned to each client as primary point of contact.