Guided Wealth Investing

Start Investing for Your Future Today

• Personalized planning, service, and advice: The path to your financial goals is personalized for your specific stage in life, and will change as your life changes. If you ever have any questions, your advisor is only a phone call or email away.
• Intuitive, intelligent technology: See your GWP accounts in one place, open new accounts, view your portfolio, and make updates via your personal portal. The technology makes the process fast and easy.
• Advanced wealth management: We can implement your personal roadmap using proven investment techniques. Receive allocations designed for you and your savings goals, and benefit from trading techniques that strive to increase diversification and can help reduce taxes.
• Utilizes Lower Cost Exchange Traded Funds (ETF’s) – Unlike the higher cost of traditional actively managed mutual funds, ETF’s have lower internal expenses.

Whatever your investment goals, we can help you.

Why Choose Guided Wealth Investing with GWP?

• Automatic account diversification and rebalancing
  Rebalancing
  While your GWP may change the mix of your investments each year as you approach your investment goal, it might also need to be rebalanced more regularly as a result of market fluctuations. Every day, GWP looks at your account to determine if the markets caused your portfolio to drift too far from its intended mix. GWP will buy or sell investments if necessary to keep your portfolio in line with your goals.
• Looks for ways to reduce taxes
  Tax-Saving Strategies
  GWP also analyzes your account daily to look for tax-loss harvesting opportunities to help you potentially save on taxes. This means GWP may sell a security that’s experienced a loss to offset taxes you could incur on gains or income from other securities in your portfolio. Most often, this tax-saving strategy is available only to investors on an annual basis with a large account sizes. However, with GWP, it’s available for all taxable accounts, regardless of account size, and is provided on an ongoing basis, whenever your account needs it.The tax-loss harvesting and other tax strategies discussed should not be interpreted as tax advice and there is no representation that such strategies will result in any particular tax consequences. Clients should consult with their personal tax advisors regarding the tax consequences of investing.
• The Power of LPL Research
  The Power of LPL Research
  LPL Research, our partner and portfolio manager, created the allocations for GWP portfolios using nine primary ETFs. The team behind this work includes 50 research professionals, each with an average of 10 years’ industry experience, who manage $22 billion of assets across several platforms. They maintain more than 300 portfolios tailored to specific investment objectives. The GWP ETF allocations were constructed based on the team’s market outlook for the next 12 to 18 months and are periodically reviewed to determine if shifting is necessary to ensure the allocations remain well diversified.
• Tailored to your age, risk tolerance, and portfolio size
• Generally appropriate for investors with long term investment goals
• 24/7 online access to your account
• Low minimums at just $5,000 to start

How Does it Work?

To get your starting point recommendation and the GlidePath your account will follow, GWP will take you through three steps. These steps ensure you receive a portfolio designed for you, your goals, and your preferences.

FAQs

What is a Guided Wealth Portfolio?

An investment portfolio with a mix of low-cost Exchange Traded Funds (ETFs) using a glidepath to help keep your portfolio in line with your investment objective.

What is an Exchange Traded Fund (ETF)?

An ETF is a type of individual investment that owns a specific group of securities that strives to provide returns in line with a particular index (example – The S&P 500). ETFs typically provide broad diversification at a lower cost than traditional actively managed mutual funds. ETFs are traded on the open market like individual securities.

ETFs Used in Guided Wealth Portfolios:

Equity ETFs
IWF iShares Russell 1000 Growth
IWD iShares Russell 1000 Value
MDY SPDR S&P Midcap 400
SLY SPDR S&P 600 Small Cap
IEFA iShares Core MSCI EAFE
IEMG iShares Core MSCI Emerging Markets

Fixed Income ETFs
BND Vanguard Total Bond Index
VCIT Vanguard Intermediate-Term Corp Bond
JNK SPDR Barclays High Yield Bond

What is GlidePath?

GlidePath is a modern algorithm technology that uses different ETFs to build Guided Wealth Portfolios. Rather than one static mix, the GlidePath slowly changes the mix over time as the investor gets closer to their investment goal. By answering a few questions, the investor gets a recommended mix based on their time frame and risk preferences.

Why a GlidePath?

A GlidePath is designed to use an investor’s risk preferences and timeframe to recommend a starting point for a GWP investment. Over time, the portfolio mix will adjust in an attempt to better suit the investor’s goal. The purpose is twofold;

1. To help keep the portfolio from being susceptible to adverse effects of short term market fluctuations.
2. To take advantage of the potential long term rise of the markets.

For example, if an investor has a long retirement goal of more than 20 years, they have a better chance to participate in the rising markets and more time to rebound from any market fluctuations. However, as the investor approaches retirement, they have less time. A GlidePath is designed to keep the invest mix suited for the investor’s goal.

How do GlidePaths Work?

In the chart above, you’ll see various GlidePaths available. By combining your investment time frame (left column) and your risk preferences (top row), you get your starting allocation.

For example, if you have 20 years to retirement and prefer a more aggressive approach (equity tilt), you’d have a growth strategy, and your starting allocation would be 80% equities/17% fixed income/3% cash. Your GlidePath then reallocates your mix each year as you get closer to retirement. In this example, in the next year— year 19—your allocation would move to 77% equities/20% fixed income/3% cash.

It’s important to know that more weight is given to your investment time frame than your risk preferences when you begin investing.

For example, you could answer the risk tolerance questions conservatively, but start out with a more aggressive portfolio, because you have a long time until retirement. As you get older, however, your risk tolerance will hold greater weight and your portfolio will shift toward a more conservative allocation.

There is no guarantee that the GWP portfolios will achieve their stated investment objectives.