Guided Wealth Portfolios

BCU Wealth Advisors, LLC

Make progress on your financial goals.

A service of BCU Wealth Advisors, LLC

 

A personalized investment experienced powered by technology. Pair our experience and personal service with advanced technology to pursue your investment goals. Guided Wealth Portfolios (GWP) allows you to:

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Define

Identify your important goals. Understand your comfort with market fluctuations.


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Develop

Identify your important goals. Understand
your comfort with market fluctuations.

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Monitor

Let our experienced advisors and advanced technology
assist you on the road to financial freedom.

Easily enroll online

Answer a few brief questions to generate potential investment models that you can use to create and set up your account. The Guided Wealth Portfolios platform will actively manage your account, making your money work for you while allowing you to focus on the things you enjoy.


Get started today for a convenient, accessible way to build a diversified portfolio.

Enroll Today
BCU can help you manage finances digitally

Frequently Asked Questions

  • What are the fees?

    BCU Wealth Advisors charges an advisory fee of 0.75% annually. This is in addition to underlying fund expenses.

  • What kinds of accounts can I open?

    You may open individual or joint taxable accounts, and Traditional or Roth IRAs.

  • What investments are available to me?

    GWP offers investment recommendations based upon model portfolios generated by LPL Financial.  Typically, the models will be comprised of low-cost exchange-traded funds (ETF). An ETF is a type of fund that owns groups of assets, like stocks or bonds, and is designed to provide portfolio returns in line with a particular index, such as the S&P 500. ETFs can provide you a diversified portfolio and are traded like stocks, making it easier to take advantage of market changes. These models are designed to provide ongoing, active management in line with your investment goals, time horizon, and risk tolerance.

     

    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 nondiversified portfolio. Diversification does not protect against market risk.

  • What is the minimum investment?

    The minimum starting investment is $5,000. An annual small account fee is applied to accounts with less than $10,000 invested.

  • What investment strategies are available?

    The model portfolios are constructed to provide varying levels of exposure to equity and fixed income markets, based on your individual risk tolerance and investment time horizon. More information about the investment process and strategies used can be found here.

  • How do I open an account?

    You can open your new account by clicking here or the "Start Building Your Plan" link and completing a brief questionnaire regarding your investment goals and experience. An investment model will then be recommended based on your answers to these questions.

  • How do I deposit money into my account? Can I setup direct deposit? Can I transfer assets from my other brokerage accounts?

    When you create your account, you will have the opportunity to set up a one-time or recurring transfer from your bank account. At this time, we cannot accept direct deposit from your paycheck.

    You can transfer assets from other brokerage accounts of the same type (e.g., IRA, joint account, etc.). Keep in mind, however, that these assets will be sold and reallocated to the investment model you select when you open your BCU Wealth Advisors account. We recommend that you speak with your tax advisor to discuss any tax consequences that may arise from this activity.

  • How do I make a deposit by check?

    There are several options to deposit checks to your existing account. All checks should be payable to LPL Financial, FBO [Your Name] and reference your account number.

    If your check is less than $50,000 you can deposit it electronically to your non-retirement account using your smartphone, with the  Account View mobile deposit feature.

    The overnight address for checks is:

    LPL Financial
    ATTN: Dept. M
    1055 LPL Way
    Fort Mill, SC 29715


    For USPS:
    LPL Financial 
    Attn: Dept. M
    PO Box 6575
    Fort Mill, SC 29716


    Please note: Cash, traveler’s cheques, money orders, starter checks, and third-party checks cannot be accepted for deposit.

  • Will I have a financial advisor?

    While the Guided Wealth Portfolios Program is designed to provide you with all the tools you need to manage your investments, you will have access to a financial advisor who can assist you with any questions or issues.

     

    It's easy to start achieving your financial goals. Contact us online or call 847-932-8007 and ask for Jamie Hagen.

  • Is my account insured?

    Investment products and advisory services offered through BCU Wealth Advisors, including Guided Wealth Portfolios are:

    • Not NCUA/NCUSIF Insured or otherwise federally insured
    • Not Credit Union Guaranteed
    • Not Credit Union Deposits or Obligations
    • May lose value
  • Who can I contact if I need assistance?

    You may contact BCU Wealth Advisors, wasupport@bcu.org or 847-932-8007 for assistance.

  • Other Important Information

    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. LPL is not affiliated with BCU or BCU Wealth Advisors, LLC.  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.


    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. 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.

  • Disclosure

    Advisors associated with BCU Wealth Advisors may be either (1) registered representatives with, and securities offered through LPL Financial, Member FINRA/SIPC, and investment advisor representatives of BCU Wealth Advisors; or (2) solely investment advisor representatives of BCU Wealth Advisors, and not affiliated with LPL Financial.

    Insurance products are offered through LPL or its licensed affiliates (CA Insurance License #0518721 or 0B91442). Investment advisory services are offered through BCU Wealth Advisors, LLC, a registered investment advisor and separate entity from LPL Financial. BCU Wealth Advisors, LLC is a wholly-owned subsidiary of BCU. BCU is not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using BCU Wealth Advisors, and may also be employees of BCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, BCU or BCU Wealth Advisors. Advisory services, securities, and insurance offered through BCU Wealth Advisors, LLC, LPL Financial 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 

    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. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

    The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase products or services to persons outside of the United States. This website is not to be directly or indirectly interpreted as a solicitation of investment advisory services to residents of a jurisdiction unless the firm is notice-filed, registered or is eligible for exemption from notice-filing or registration in that jurisdiction. The contents of this webpage are not to be copied, quoted, excerpted or distributed without express written permission of the firm. Nothing on this webpage is intended as legal, accounting, or tax advice, and is for informational purposes only.

    The LPL Financial registered representative(s) 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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    For detailed information, including Form ADV Parts 1, 2, 2b, 3 (Form CRS), and Appendix 1 (Wrap Brochures) visit the SEC website.

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