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Guided Wealth Portfolio (GWP)

Robo Investment Advice meets Human Intelligence

GWP is an advisor-enhanced virtual platform, created to help those growing their wealth gain access to efficient investment portfolios, obtain goal planning tools and the ability to connect to a personal financial professional to provide the guidance that a robot cannot. 

We know you are busy!  If you are a member of the Gen X family, you are constantly short on time and find meeting with an advisor in a traditional capacity to be challenging. The Robo investment advisor and virtual personal advice platform was created for you!

The Virtual platform also allows us to serve the adult children of our clients. Offering investment solutions and education to help them make smart financial decisions increases the financial strength of the entire family. When the time comes to transfer wealth to the next generation, integration is seamless as we already know and understand the unique financial situation of each child, while always maintaining confidentiality.

We believe our professional duty is to lend a helping hand by providing advice to individuals and families who have an interest in learning how to grow their wealth. 

With increased industry regulation, most firms have been decreasing their client base by increasing account minimums and quickly shifting service to call centers. This is leaving most Americans with fewer options and less access to guidance from a financial professional.

On the contrary, we are leveraging technology to be able to help all levels of wealth. 

The GWP Process

Automated, Easy Setup Available 24/7

Complete an investor profile questionnaire to receive your suggested investment strategy.

Electronically aggregate your existing accounts to receive suggestions tailored for you.

Complete a few short steps online to open your GWP account by either making a deposit or transferring assets from another institution. * 

Pay yourself first! Set up systematic contributions to begin building your wealth.  It all starts with small steps and small systematic contributions pave the way to future results. 

Automated glidepath to retirement. GWP will provide an investment allocation and roadmap designed to help you pursue your goals.  

Human review. We review the automated recommendations and will provide interpretation to make sure they are in line with your overall situation.

*Minimum account balance is $5,000

Simplified, Efficient Portfolio Management

Diversification with low-cost exchange-traded funds (ETFs) that adjust over time to match your goals and time horizon.

Algorithm-based rebalancing is used to automatically return your portfolio to is optimal design.  This occurs at the time of portfolio drift, rather than on a set quarterly time frame. Making your portfolio efficient in real time.

Tax aware investing, smart capital gains awareness and automated tax loss harvesting. GWP makes intelligent moves when possible to:

  • offset gains in taxable accounts.
  • evaluate trades for their tax impact vs. long term benefit to the portfolio.
  • place tax-inefficient investments, such as certain bond ETFs, in tax sheltered accounts when possible.
  • will perform tax loss harvesting for couples at the household level.

Automated deposit investing. GWP automatically places client cash deposits and cash dividends where needed to continuously bring the portfolio in-line with your optimal allocation.

Access to a Personal Financial Professional

Personal guidance from a team that cares about your financial success.  A phone or video conference meeting is part of our client on-boarding process, so we can get to know you to make sure your goals are in-line with the automated recommendations. Access to a financial professional is not generally available with other Robo advisors or do-it-yourself platforms. 

Tailored on-demand educational podcast and workshops delivered directly from us to you! We are continuously communicating important timely advice through podcasts, emails and workshops, with actionable items to improve your overall financial health.

Streamline your financial planning. If you require additional planning or have a complex situation arise, we are able to efficiently help you under our hourly financial consulting agreement.

Our goal is to help you make informed and smart decisions. We are here to coach you through all major financial decisions and purchases, answer questions and provide insight through challenging market conditions.

What Happens When You Click "Sign Me Up"?

Step 1

Step 2

Step 3

Auto Enroll: Register & Link Accounts

  • Complete an investor profile questionnaire
    • To create a personalized portfolio we need information about you: age, risk tolerance, current savings, and investment history.
  • Start Investing
    • Electronically aggregate your external financial accounts or transfer cash funds
  • Complete the account opening application

Talk With An Advisor

  • You will receive an onboarding call with an enrollment specialist 
    • to ensure all questions have been answered, the application has been completed and all documents required are on file
  • An advisor will review the automated glidepath to retirement based on automated recommendations and will provide interpretation to make sure you are in line with your overall situation.
  • Our staff will provide best practices for investing

The Plan

  • Set up systematic contributions
  • Our virtual platform provides simplified, efficient portfolio management
    • Algorithm based rebalancing 
    • Tax Aware Investing
    • Automated Deposit Investing
  • Full access to a professional financial advisor who will provide personal guidance.
    • Including tailored on-demand educational podcast and workshops

Still have questions about joining our Virtual Platform? Schedule a FREE consultation with one of our wealth specialist to design your investment roadmap.

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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 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.

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.