We take a comprehensive approach to financial wellness to address the big and small details of personal finance. We aim to alleviate financial stress and meet each employee where they are, personally and professionally.

Financial Wellness

Learn more about how we cultivate and harness world-class intellectual capital and expertise to solve our clients’ most complex challenges.

What We Do

We harness every resource, insight, relationship, and competitive advantage to drive superior results for our clients.

Serving Clients

Analysis and perspectives on the global economy and markets, from across Goldman Sachs

Insights

Our award-winning podcast features Goldman Sachs leaders on the key issues shaping the global economy.

Goldman Sachs Exchanges

We aspire to be the world’s most exceptional financial institution.

Our Firm

We help entrepreneurs create jobs and economic opportunity through rigorous business education programs, access to capital, and networking.

10,000 Small Businesses

There are many chapters in a career. There is only one Goldman Sachs.

Careers

<a href="/careers/students/programs-and-internships">Applications are now open for the Goldman Sachs 2026 Americas Summer Internship Program.</a>

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

"We take a comprehensive approach to financial wellness to address the big and small details of personal finance. We aim to alleviate financial stress and meet each employee where they are, personally and professionally."

"FDIC-Insured - Backed by the full faith and credit of the U.S. Government"

"Financial Wellness"

Employees can have 24/7 access to a suite of digital resources. One-on-one phone sessions with a coach are available with flexible appointment scheduling.

"Employees can have 24/7 access to a suite of digital resources. One-on-one phone sessions with a coach are available with flexible appointment scheduling."

"Financial Wellness Delivers Tailored Support To Each Employee"

Financial Wellness Delivers Tailored Support To Each Employee

Financial Planning Immersed in Your Company Culture

"Financial Planning Immersed in Your Company Culture"

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Hours of annual company-specific benefit training for all coaches¹

Of employees would recommend our service after speaking with a coach¹

Employees helped to achieve financial goals¹

Empower Employees With Financial Resources Refined Over 45+ years

"Empower Employees With Financial Resources Refined Over 45+ years"

Through an assessment and score, we curate a step-by-step task list and resources that can be tailored to company-specific needs.

Digital Platform

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From everyday financial decisions to seeing the big picture — we're here to help.

Financial Coaches

Our sessions are informative and engaging, including tools and resources to help employees create a solid financial foundation.

Group Education

Our experienced coaches receive specific training on your company’s benefits to help employees navigate a variety of financial planning topics and corporate benefit decisions as lives and careers change.

"Our experienced coaches receive specific training on your company’s benefits to help employees navigate a variety of financial planning topics and corporate benefit decisions as lives and careers change."

"Meet Your Financial Coaches"

Meet Your Financial Coaches

How We Can Help

"How We Can Help"

<ul>
<li>Understand the benefits available and how they work together</li>
<li>Review healthcare coverage options, including flexible spending and health savings accounts</li>
<li>Consider employer-sponsored insurance plans</li>
<li>Incorporate benefits into the overall financial plan</li>
<li>Help optimize financial planning around pay and benefits, including equity compensation as applicable</li>
</ul>

Benefits and Compensation

<ul>
<li>Discuss cash-flow management strategies and impact of life events on cash flow</li>
<li>Deliver long-term cash-flow model to understand implications of current financial decisions on retirement</li>
<li>Provide guidance on mortgage financing and education funding, and other lending solutions</li>
<li>Discuss appropriate tax withholding and how to update, if appropriate</li>
<li>Review tools available for managing budget, cash flow, and credit rating</li>
</ul>

Cash-Flow Strategy

<ul>
<li>Set and prioritize financial goals, like buying a home or funding education</li>
<li>Find ways to balance responsibilities, especially when sandwiched between supporting children and aging parents</li>
<li>Review 401(k) savings strategy, including maximizing company contributions, if applicable</li>
<li>Assess retirement readiness and make a plan that aligns with desired retirement timeline</li>
<li>Understand how Social Security benefits work and determine the right time to start taking them</li>
<li>Educate on HSA (if applicable), including balancing short-term use for immediate medical expenses with long-term use for investment, retirement, and tax efficiency</li>
</ul>

Retirement and Life Events

<ul>
<li>Learn tax basics, including taxable income, adjustments, deductions, and credits</li>
<li>Consider opportunities to lower your tax bill and improve tax efficiency</li>
<li>Review tax planning options related to benefits (e.g., HSA, 401(k), etc.)</li>
</ul>

Tax Planning

<ul>
<li>Assess how much life insurance makes sense, considering familial obligations and current financial situation</li>
<li>Identify other types of insurance that may be needed, like excess liability (umbrella) coverage and policies for disability and long-term care</li>
<li>Designate beneficiaries for policies</li>
</ul>

Risk Management

<ul>
<li>Learn investment principles, including risk, return, and types of investments</li>
<li>Build and diversify a portfolio that matches comfort with risk, timelines of investing goals, personal preferences, and more&nbsp;</li>
<li>Make the most of tax-advantaged accounts for retirement and college savings</li>
<li>Reassess investment strategies as needed — especially in response to unexpected market volatility</li>
</ul>

Investments

<ul>
<li>Learn estate planning basics, including beneficiary designations, wills, and trusts</li>
<li>Identify goals for estate planning and create a coordinated plan</li>
<li>Understand the importance of healthcare proxies and powers of attorney</li>
<li>Assist with documenting the locations of relevant paperwork</li>
</ul>

Estate Planning

"Insights from Goldman Sachs"

Insights from Goldman Sachs

Our Corporate-Sponsored Workplace Solutions

"Our Corporate-Sponsored Workplace Solutions"

Dedicated advisors deliver full-service coordination and implementation assistance to help busy leaders build wealth, manage risk, and optimize their unique financial opportunities.³

"Dedicated advisors deliver full-service coordination and implementation assistance to help busy leaders build wealth, manage risk, and optimize their unique financial opportunities.³"

"Executive Wealth"

Executive Wealth

A corporate program offering a dedicated advisor to help employees navigate increasing financial complexity.

Personal Planning

Solutions to help employees confidently manage their finances — including access to trained coaches, a modernized digital platform, and group education.

Support for employees and their families following the loss of a loved one.

SurvivorSupport®

"1. All data as of January 2025.\r\n2. “When asked, “Would you recommend the Ayco Coaching service to a co-worker?” 96% of respondents (4230) who spoke with a coach between 1/1/24 and 12/31/24 responded “Yes”. Other response options included “No”. Generated from Goldman Sachs Ayco internal reports.\r\n3. Please note that clients determine if / how financial planning guidance should be implemented. Any implementation of financial plans through Goldman Sachs Ayco or an affiliate is done so by entering into separate agreements.\r\n&nbsp;\r\n"

1. All data as of January 2025.
2. “When asked, “Would you recommend the Ayco Coaching service to a co-worker?” 96% of respondents (4230) who spoke with a coach between 1/1/24 and 12/31/24 responded “Yes”. Other response options included “No”. Generated from Goldman Sachs Ayco internal reports.
3. Please note that clients determine if / how financial planning guidance should be implemented. Any implementation of financial plans through Goldman Sachs Ayco or an affiliate is done so by entering into separate agreements.
&nbsp;

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Start a conversation about how Goldman Sachs Ayco can help your employees maximize the value of their benefits and compensation through personalized guidance around their unique financial needs.

"Start a conversation about how Goldman Sachs Ayco can help your employees maximize the value of their benefits and compensation through personalized guidance around their unique financial needs."