Choose Your Own (Investment) Adventure!
Guided Wealth Portfolios’ three-step process is what determines which portfolio is right for you based on your individual goals, investment timeline, and feelings about risk in your investments. You can visit an online portal to walk through this process yourself, or your advisor may submit it for you after a discussion. Take a look at the steps we’ve outlined below to see how easy it is to get started with us or get started on your own now.
Step One: What’s your savings goal?
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.
Step Two: What’s your investment horizon?
Time Frame
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.
Step Three: What’s your risk preference?
Less Risk
This means you’ll receive more fixed income exposure in your portfolio.
A Mixed Approach
You’ll receive a balanced mix of equity and fixed income in your portfolio.
More Risk
This means you’ll receive more equity exposure in your portfolio.
Meet Your Personal Financial Advisor
David Brown
Financial Advisor, LPL Financial | Offices located in the Virtual Financial Center, Contact Center, Armory Square, Onondaga Hill, and Cortland
Phone: 315.356.3000 ext. 3316
Guided Wealth Portfolios (GWP) is an investment advisory program sponsored by LPL Financial LLC (LPL), an SEC registered investment adviser and member FINRA/SIPC, and subadvised by FutureAdvisor, an SEC registered investment adviser. GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. SEC registration does not constitute an endorsement of the firm by the SEC and does not imply a certain level of skill or training. Securities offered 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.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risk including possible loss of principal.
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Variable annuities are subject to market risk and may lose value.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. AmeriCU Credit Union and AmeriCU Investments are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using AmeriCU Investments, and may also be employees of AmeriCU Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, AmeriCU Credit Union or AmeriCU Investments. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits of Obligations | May Lose Value |
Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
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