Consumer and Wealth Management

Consumer and Wealth Management includes Private Wealth Management, the Personal Financial Management Group and our Consumer Banking business (Marcus by Goldman Sachs).

What We Do

Across Consumer and Wealth Management (CWM), Goldman Sachs helps empower clients and customers around the world to reach their financial goals. Our advisor-led wealth management businesses provide financial planning, investment management, banking and comprehensive advice to a wide range of clients, including ultra-high net worth and high net worth individuals, as well as family offices, foundations and endowments, and corporations and their employees. Our consumer business provides digital solutions for customers to better spend, borrow, invest, and save. Across CWM, our growth is driven by a relentless focus on our people, our clients and customers, and leading-edge technology, data and design.

How We're Organized

Consumer and Wealth Management Businesses

Private Wealth Management (PWM)

Goldman Sachs Private Wealth Management (PWM) specializes in creating comprehensive wealth management plans for ultra-high net worth individuals and families, as well as select institutions, including foundations and endowments. PWM teams work one-on-one with clients to advise and deliver customized strategies drawn from our deep investment experience, diverse wealth management capabilities and global reach. Our Private Wealth Advisors (PWAs) deliver an unparalleled investment platform inclusive of the full product and service offerings of Goldman Sachs and beyond, which may include tax and estate planning, philanthropic planning and private banking and lending services. As client needs evolve, this close relationship allows the team to offer complementary services and new opportunities by leveraging the resources of Goldman Sachs and beyond.

Personal Financial Management Group (PFMG)

Goldman Sachs Personal Financial Management Group includes Ayco and Personal Financial Management (PFM). Through Ayco we provide a wide variety of workforce solutions to companies, including digital solutions to broader employees, personalized planning and advisory services for senior executives, as well as full-service, bespoke wealth management solutions for the C-suite. Ayco believes companies best serve their stakeholders and the greater economy when their employees’ financial lives are clear, understood and in their control. Personal Financial Management provides planning-led solutions catering to high net worth clients. Our advisors offer an investment platform inclusive of products and services offered by Goldman Sachs and other third parties, including private banking and lending offerings. We consider the relationships with our clients a lifelong partnership backed by over 150 years of Goldman Sachs providing consistency, perspective and access as our clients’ needs evolve.

Marcus by Goldman Sachs

The firm’s Consumer business, Marcus by Goldman Sachs, combines the entrepreneurial spirit of a startup with more than 150 years of experience. Our mission is to build the consumer bank of the future to address the spending, borrowing, investing and saving needs for millions of customers and help them take control of their financial lives through products that are simple, transparent, valuable, personal and secure. Today, we serve customers across multiple products including lending, savings, investment, financial insights products and our credit card partnership with Apple. We use innovative design, data, engineering and other core capabilities to provide customers with powerful tools and products. We are backed by our world-class team, comprised of individuals from leading agile technology companies, fintechs and consumer financial services companies, allowing us to be uniquely positioned to disrupt the industry as we grow the firm’s Consumer business. 

Who We Look For

CWM partners with various teams across the firm to deliver premium service for our clients and customers around the world. We are looking for professionals who have the ability to thrive in a fast-paced environment, attention to detail, strong communication skills, an entrepreneurial spirit and dedication to providing world-class client and customer service. The ideal candidate will take an innovative approach to the client and customer experience, with a long-term mindset for our business and our people. 

“I’ve leveraged many of the skills developed in my liberal arts education—like analytical thinking, research, writing—both in my previous role in compliance and my current job. The crux of what we do is solving problems and those skills are crucial.”

Vice President, Consumer Management, Consumer and Wealth Management Division, New York

We Invest in Our People


We created Goldman Sachs University to help our people grow professionally – starting with their orientation and integration into the firm and continuing with ongoing development over the course of their careers.


From ongoing feedback to diverse talent programs, we’re committed to empowering our people to drive their own development and expand their horizons.


We emphasize an apprenticeship culture in which our junior team members learn by working closely with seasoned professionals. We believe this is critical to developing the next generation of Goldman Sachs leaders.