I have nothing particularly bad to say about PC, but I don't think they're well-suited to Mustachians (or Bogleheads, for that matter). If you (or your SO/family) wants the "security" of having an actual human financial planner, they are certainly less awful than most AUM shops. Their investment plan is fine, but I doubt it would beat a 3-fund portfolio over time, and certainly not by enough to justify paying the AUM fee forever.
I had my assets managed there for about 18 months, including a sizable taxable account. I had transferred to PC from Morgan Stanley, where I was getting absolutely fleeced: 1.5% AUM, plus high expense-ratio funds. So PC's 0.89% with no garbage funds seemed like a bargain in comparison. Of course, after a couple of months with PC I discovered Bogleheads and MMM, and I realized that even 0.89% was too expensive. I just moved the bulk of my funds out of PC and into a low-cost brokerage, where I'll slowly rebalance away from the individual stocks and into broad market ETFs. It'll happen pretty slowly unless and until we have a pretty significant correction, however. With the rise in the market over the last 12 months, I have a lot of unrealized gains. The individual stock portion of the portfolio does a decent job of tracking the broader market since it's so many stocks, so for now, I'm just holding my existing positions while adding new money to VTI/VXUS/BND.
