Guided Wealth Portfolios

Couple Happy About Their Retirement Portfolios

A New Investment Journey
Guided Wealth Portfolios
Online Investing - Personalized For You

With Guided Wealth Portfolios, we aim to provide you a diversified portfolio that matches your risk preferences and helps you work toward your unique financial goals. This is combined with daily account monitoring that auto-rebalances your account when necessary and identifies tax-saving opportunities to not only keep your portfolio in line with its goals, but potentially improve it for greater diversification and future growth. Please note, Guided Wealth Portfolios require a $5,000 minimum.

With Guided Wealth Portfolios, you don't have to worry about managing or updating your profile, as your LPL Financial Advisors at Bay Federal Credit Union handle it for you! You get insight into what's happening in your portfolio through your online portal, and if you ever have any questions about your investment strategy, we're just a phone call away!

Powering Your Future with a Personal Touch: Grow your future with our experience and the convenience of online investment management.
Customized Recommendations: Simply answer a few questions to receive a proposal, customized for you. We'll give you recommendations for your account and a calculation of your potential dollars at retirement.
Personalized Investment Management: We'll oversee your plan, customized for you and designed to evolve as your life changes. If your goals shift, we're here to help.

Ready to get started? Start your new investment journey!

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Guided Wealth Portfolio Three Step Process

What's Your Goal?
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 want to invest for retirement or a major purchase, you'll be asked to indicate when you'd like to reach your goal. Your investment timeframe will be the key factor in determining your initial portfolio allocations for your retirement or major purchase goal.
What's Your Risk Tolerance?
Next, you'll answer a series of risk tolerance questions to help us understand your investment preferences. We'll seek to discover if you prefer:
- Taking on more risk, which means you'll receive more equity exposure in your portfolio.
- Taking on less risk, which means you'll receive more fixed income exposure in your portfolio.
- A mixed approach, which means you'll receive a balanced mix of equity and fixed income in your portfolio.
If you're investing for retirement or a major purchase, time will be the key determining factor in your portfolio allocation. Your risk tolerance will determine the "tilt" to your portfolio - whether you have more equity or more fixed income investments, or a balance of the two. On the other hand, if you're investing for general purposes, your risk tolerance will be the key determining factor in your portfolio allocation.

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Five Primary Investment Objectives through Guided Wealth Portfolios

Income with Capital Preservation

Emphasis is placed on current income and preventing capital loss. This is considered the lowest-risk portfolio available and is generally for investors with the shortest time horizon.
Income with Moderate Growth

Emphasis is placed on current income with some focus on moderate capital growth.
Growth with Income

Emphasis is placed on modest capital growth. Certain assets are included to generate income and reduce overall volatility.
Growth

Emphasis is placed on achieving high long-term growth and capital appreciation. This is considered higher than average risk.
Aggressive Growth

Emphasis is placed on aggressive growth and maximum capital appreciation. This portfolio has a high level of risk and is for investors with a longer time horizon. This portfolio is considered to have the highest level of risk.

If you would like an LPL Financial Advisor at Bay Federal Credit Union to contact you, please complete and submit the following information.

First name

Email address

Last name

Daytime telephone number

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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. Bay Federal Credit Union and Investment Services at Bay Federal Credit Union are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Investment Services at Bay Federal Credit Union, and may also be employees of Bay Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Bay Federal Credit Union or Investment Services at Bay Federal Credit Union. 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 or Obligations

May Lose Value

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

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