Guided Wealth Portfolio
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.
While other digital investing solutions, or robo advisors, offer online investment management, many don’t include a direct personal relationship with a financial advisor, unless you’re willing to invest substantial amounts. With Guided Wealth Portfolios, no matter how large or small your investment amount, you get a personal advisor, dedicated to you and your goals.
All you need to get started is $5,000* to invest. Whatever your investment goals, we can help you. We’re available any time you have a question about your account or investment strategy.
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.
All Guided Wealth Portfolios are made up of a mix of low-cost exchange-traded funds (ETFs). An ETF is a type of fund that owns groups of assets, like stocks or bonds, and is designed to provide portfolio returns in line with a particular index, such as the S&P 500.
Consistent Monitoring
Guided Wealth Portfolios looks at your account annually and looks to determine if the markets caused your portfolio to drift too far from its intended allocation. It will then buy or sell investments if necessary to keep your portfolio in line with your goals.
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.
A three-step portfolio building process:
You’ll choose from three primary goal options:
Retirement: You want to potentially grow your account for retirement.
Major purchase: You want to save and invest for a home, car, vacation, etc.
General investing: You don’t have a specific goal in mind, but you want to start investing for the future.
What’s your investment horizon?
If you’re investing for retirement or a major purchase, your investment time frame will be the key factor in determining your initial portfolio allocations.
What’s your risk preference?
Next, you’ll answer a series of risk preference questions, either online or with your advisor. This will help you determine if you should take on more risk, less risk or consider a mixed approach.