Guided Wealth Portfolios (GWP)

• GWP is a low-minimum, digital investment platform similar to a robo advisor, but also includes a relationship with a financial advisor.
• Globally diversified portfolios of low-cost exchange-traded funds (ETFs) designed by LPL Research.
  
• We offer two Tiers of Service choices.
• Virtual meetings.
  
• Investment Models are discretionary.
• Minimum investment is $5,000.
  
• Learn More About Guided Wealth Portfolios (GWP)

Tier I - 

• The process begins by sending an email or calling to set up an appointment to discuss your situation.
• We will set up the account and the client will monitor their investments online through LPL AccountView.
• A detailed initial risk analysis.
• Twice a year your account will be reviewed and you will have the opportunity for a 30 minute virtual consultation to ask any questions.
  
• Advisory fees begin at .70% with our Tier I Guided Wealth Portfolios.
• Fees can go lower based on the amount of assets in the advisory relationship. 

Tier II - 

• The process begins by sending an email or calling to set up an appointment to discuss your situation.
  
• We will set up the account and the client monitors their investments online through LPL AccountView.
• A detailed initial and ongoing risk analysis.
  
• Quarterly electronic/phone market update and review meeting.
• Ongoing retirement and financial planning.
• Investor education.
  
• Advisory fees begin at .90% in full service Model Wealth Portfolios.
• Fees can go lower based on the amount of assets in the advisory relationship.       

• Guided Wealth Portfolios (GWP) is a centrally managed investment program sponsored by LPL Financial LLC (LPL).
  GWP generates investment recommendations based upon model portfolios constructed by LPL. If you are receiving
  advisory services in GWP from a separately registered investment advisor firm other than LPL, LPL is not an
  affiliates of such advisor. LPL investment advisors are 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. LPL Financial does not provide tax advice.
  Clients should consult with their personal tax advisors regarding the tax consequences of investing.

• Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a
  profit or protect against a 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.

• An investment in exchange-traded funds (ETFs), structured as a mutual fund or unit investment trust, involves the
  risk of losing money. An investment in ETFs involves additional risks such as non-diversification, price volatility,
  competitive industry pressure, international political and economic developments, possible trading halts, and index
  tracking errors

LPL is a broker/dealer registered with the Securities and Exchange Commission (SEC) and a member of the Financial Industry Regulatory Authority, Inc. (FINRA) and the Securities Investor Protection Corporation (SIPC). As a registered broker/dealer, LPL is subject to regulatory oversight and internal controls that are designed to protect your accounts.

 LPL’s regulatory obligations and controls include the following:

• LPL must identify and segregate securities by customer, and must segregate customers’ securities and funds from its proprietary business activities.
• LPL is required to maintain minimum net capital and to set aside a reserve for the benefit of its customers.
• The purpose of these requirements is that if a broker/dealer fails financially, customers’ securities and funds should be readily available to be returned to customers.
• In addition, LPL’s financial statements are audited annually by an independent public accountant and those financial statements are filed regularly with the SEC.
• LPL is required to purchase a fidelity bond from an insurance company to provide a source of compensation to customers in the event of fraud or embezzlement by employees.
• LPL is required to be a member of SIPC and, for accounts held at LPL, SIPC provides account protection up to a maximum of $500,000 per customer, of which $250,000 may be claims for cash. This account protection applies when a SIPC member firm fails financially and is unable to meet obligations to securities customers, but it does not protect against losses from the rise and fall in the market value of investments. An explanatory brochure is available at www.sipc.org.
• LPL purchases an insurance policy that provides customer protection in excess of SIPC coverage up to an overall aggregate firm limit of $600,000,000, subject to conditions and limitations.
• LPL also purchases additional amounts of professional liability insurance.