Guided Wealth Portfolios

INVEST FOR YOUR FUTURE WITH A DIGITAL INVESTMENT PLATFORM THAT COMBINES THE BENEFITS OF A PERSONAL FINANCIAL ADVISOR WITH SOPHISTICATED TECHNOLOGY. 

Through our Guided Wealth Portfolios (GWP) investment platform, you get our experience and expertise with the added convenience and transparency of a digital investing solution where you have the ability to view and update your accounts at any time.

Advisor Relationships

While other digital investing solutions also offer online investment management, most don’t include a direct personal relationship with a financial advisor—unless you have a substantial amount to invest.

GWP provides you with a personal advisor dedicated to you and your financial goals. All you need is $5,000* to get started investing for retirement, a major purchase, or general investing purposes.

Access and Control

With GWP, you’re in the driver’s seat. While your investment-allocation track will be based on your risk preferences, specific financial goals, and the time frame for those goals, you have the ability to review your account and adjust your goal’s details at any time through your Account View investment portal. You’ll also receive regular updates via email on market conditions and your advisor will review your investment annually, at a minimum, to ensure your account continues to reflect your goals and risk preferences.

Intelligent Investing

With GWP, you’ll have a financial advisor dedicated to your account, receive diversified allocations based on your financial goals, and benefit from trading techniques that may increase diversification and can help reduce tax impacts. By investing with us, you’ll enjoy:

  • Financial advice: Your advisor will review your suggested portfolio allocation to make sure it’s right for you, and they’re available any time you have a question about your account or investing strategy. When your life or financial goals change, your advisor can help determine if your GWP portfolio continues to be the right solution for you.
  • Portfolio design: LPL Research, an experienced money manager, chooses the investments for GWP’s portfolio models.
  • Consistent monitoring: Your portfolio is rebalanced annually to keep it on track as markets move.
  • Tax-loss harvesting: Your accounts will also benefit from quarterly reviews for tax-loss harvesting opportunities. For example, if an investment experiences a loss, we may sell it to offset taxable gains in your portfolio. The sold investments are then replaced by similar investments to maintain your asset allocation—until it’s appropriate to buy back the original security, so you get the tax benefits while keeping a properly diversified portfolio.

How It Works

Receive a personalized proposal

Step 1: To get started, you’ll receive a link to a secure online portal where you’ll start your GWP investment journey.

Step 2: You’ll answer a few questions within the online portal about your goals and risk preferences to help us understand what you’d like to achieve with your GWP investment account. Generally, the longer you have until your goal (e.g., when you want to use the funds for their intended purpose, such as retirement), the more aggressive your investment strategy should be.

Step 3: Receive your customized proposal.

Open your account

Step 4: You can fund your new Guided Wealth Portfolios account from your bank account or an IRA account rollover.

Step 5: Sign your digital enrollment documents via eSignature technology, and let Guided Wealth Portfolios do the rest! After your account is complete, you’ll receive an email from our partner LPL Financial to get set up with Account View 2.0, which is where you’ll be able to view your statements and edit your account details, if needed.

In most cases, you’ll be able to complete your Guided Wealth Portfolios account opening online using eSignature technology. Sometimes other steps may be needed based on how you are funding your account.

Get Started: View Your Personalized Proposal to See if Guided Wealth Portfolios Is Right for You

                                      

*A $20 annual account fee is applied to accounts under $10,000 invested. 

IMPORTANT: The projections or other information generated by Guided Wealth Portfolios regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.  

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL). GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are non-affiliated entities.  If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission, and LPL is a registered investment advisor also a Member FINRA/SIPC.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Rebalancing a portfolio may cause investors to incur tax liabilities and does not assure a profit or protect against a loss.

References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.

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