Goldman Sachs Ayco

Name

Goldman Sachs Ayco

Legal name

The Goldman Sachs Group, Inc.

Website

https://goldmansachs.com

Company type

Public

Founded year

1869

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Wealth Management and Financial Planning Services

NAICS

Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)

Keywords

• Corporate financial planning
• Executive wealth advisory
• Employee benefits programs
• Financial counseling services
• Wealth management platform

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Investment Banking: World's preeminent investment bank serving corporations and institutions with financing, advisory services, and liability management. Includes Mergers & Acquisitions and Capital Solutions.
2. FICC and Equities: Global franchise providing trading, risk, and lending services across interest rate and credit products, mortgages, currencies, commodities, and equity/convertible securities.
3. Asset Management: Global active asset manager with over $3 trillion in assets under supervision delivering investment and advisory services across public and private markets for institutions, financial advisors, and individuals.
4. Wealth Management: Premier wealth management franchise providing personalized perspectives, advice, and offerings tailored to ultra-high net worth individuals, family offices, foundations, executives, and employees.
5. Ayco Corporate-Sponsored Programs: Financial planning and investment solutions for executives and employees through corporate-sponsored programs with focus on maximizing benefits and compensation offerings.
6. Marcus Digital Banking: Digital banking platform connecting consumers with financial products and tools benefiting from Goldman Sachs' financial expertise.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels9 records

Core offering

Goldman Sachs Ayco provides personalized financial planning and investment advisory services to corporate executives, employees, and individuals through employer-sponsored programs. The service focuses on helping clients maximize the value of their employee benefits and compensation offerings, with dedicated advisors delivering wealth management guidance. Ayco operates as part of Goldman Sachs' Asset & Wealth Management division and was acquired by Goldman Sachs in 2002.

Product overview

Goldman Sachs Ayco is a financial planning and wealth management service offered as part of Goldman Sachs' Asset & Wealth Management division. It operates alongside other Goldman Sachs businesses including Investment Banking, FICC and Equities, Asset Management, Private Wealth Management, Private Banking and Lending, Marcus (consumer digital banking), and Enterprise Partnerships. Ayco specifically serves executives and employees through corporate-sponsored programs, providing personalized financial planning and investment advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• Ayco: Financial planning and investment advisory services for corporate executives and employees, offered through employer-sponsored programs, focusing on maximizing the value of employee benefits and compensation packages.
• Marcus by Goldman Sachs
• Goldman Sachs Asset Management (GSAM)
• Marquee
• Transaction Banking (TxB)

Products and services

• Ayco Corporate-Sponsored Financial Planning Program Financial planning and investment advisory service for executives, employees, and individuals delivered through employer-sponsored programs, with dedicated advisors focused on maximizing the value of employee benefits and compensation offerings.

Quantifiable outcome

• Goldman Sachs recognized as 2026 World's Best Investment Bank for M&A by Euromoney (second consecutive year)
• +5 more outcomes

Named customers16 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Pete Lyon and Mahesh Saireddy (Leadership)coreOthers · 13 January 2025Pete Lyon (global head of Financial Institutions Group and Financial and Strategic Investors Group) and Mahesh Saireddy (global head of Mortgages and Structured Products) lead the newly formed Capital Solutions Group and join the firm's Management Committee.
• Vivek BantwalcoreOthers · 13 January 2025Vivek Bantwal, global head of the Financing Group, moves to Asset & Wealth Management to co-head Global Private Credit with James Reynolds to grow the firm's scaled private credit business.
• Enterprise Partnership ClientscoreChannel Partner/ Reseller/ DistributorEnterprise Partnerships embeds financial products including credit cards, installment financing, and high yield savings accounts into major brand ecosystems to serve millions of customers.
• Corporate Clients Across IndustriescoreStrategic or Co-development PartnerCoverage across Consumer Retail, Financial Institutions, Healthcare, Industrials, Natural Resources, Real Estate, Technology Media and Telecom sectors for M&A advisory and capital solutions.

Scale indicators16 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Personal Capital (now Empower): Digital wealth management platform serving high-net-worth individuals with financial planning tools and advisory services. Comparable to Ayco at the cross-section of executive wealth management and digital planning tools, though more direct-to-consumer than corporate-sponsored.
• Mercer (Financial Wellness): Global consulting firm offering corporate financial wellness and retirement education programs to employers, partially overlapping with Ayco's corporate-sponsored planning services. Functions more as a consultant than a productized wealth platform.

Direct peers

• Edelman Financial Engines: Largest independent registered investment advisor in the U.S., providing employer-sponsored financial planning and advice to employees of corporate clients. Directly competes with Ayco in the corporate financial wellness channel.
• Financial Finesse: Specialized provider of employer-sponsored financial wellness programs, education, and one-on-one coaching for corporate employees. Directly comparable to Ayco's corporate financial wellness focus from a niche player perspective.
• Morgan Stanley at Work: Morgan Stanley's corporate-sponsored financial wellness and equity compensation platform serving executives and employees through employer partnerships. Directly comparable to Ayco's corporate-sponsored distribution model and target executive segment.

Broad incumbents

• Schwab (Executive Services / Equity Award Center): Offers executive financial planning including restricted stock and ESPP management through employer partnerships. Comparable to Ayco in serving executive clients via corporate-sponsored channels, though embedded in a broader retail brokerage franchise.
• Fidelity (Executive Services / Stock Plan Services): Provides equity compensation and executive financial planning services through employer-sponsored programs, overlapping with Ayco's value proposition. Fidelity's scale and recordkeeping for public company stock plans make it a natural competitor in the corporate channel.
• Prudential Financial (Group Insurance & Retirement): Provides employer-sponsored retirement products, group benefits, and financial wellness services to corporate clients. Overlaps with Ayco in the corporate executive financial planning space, especially with retirement and group insurance offerings.
• Vanguard (Participant Advice & Financial Wellness): Offers employer-sponsored retirement plans and participant advice services that overlap with Ayco's corporate financial planning. Vanguard's lower-cost positioning creates competitive pressure on Ayco's premium advisory pricing.
• Bank of America (Executive Banking & Benefits): Offers corporate executive services, equity compensation planning, and institutional wealth management that overlaps with Ayco's executive financial planning offerings as part of a much broader retail and commercial banking franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/goldman-sachs

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Goldman Sachs Ayco