What is the minimum investment?

All you need is $5,000 to get started investing for retirement, a major purchase or general investing.

What types of accounts can I set up through GWP?

GWP account types currently include Individual, Traditional IRA, Roth IRA and Rollover IRA.

Who manages the GWP investment models?

GWP uses LPL Research investment models spread across three major ETF sponsors to create and manage a diversified portfolio. GWP electronically monitors your account daily and rebalances it when needed to help you stay on track.

What will a GWP account cost me?

All GWP accounts are advisory accounts in which your fee is based on the value of your assets rather than commissions. While still offering advisor guidance on your investments, GWP offers lower fees in relation to full-touch, offline advisory services. Your proposal will outline the fees applicable to your account. If you have questions pertaining to the fee prior to enrolling, please reach out to your advisor.

Once I complete the Investor Profile Questionnaire (IPQ) online, how do I receive a proposal?

Your GWP proposal is automatically generated and presented to you online as soon as you complete the IPQ.

Why was I unable to proceed with the enrollment?

If your responses to the Investment Profile Questionnaire (IPQ) indicate that you are very conservative or very aggressive in your risk tolerance, you will not be able to proceed with enrollment. GWP is intended for individuals without extremes in risk tolerance. You can adjust your responses to reflect a more moderate risk tolerance which will enable you to enroll. You will also be ineligible for enrollment if you are 62 years of age or older.

Guided Wealth Portfolios

Invest with ease through a digital investment platform.

Online investing tailored to fit your needs

SDCCU Investment Services^® Guided Wealth Portfolios (GWP) offers you a low cost, digital investing solution that that puts you in the driver’s seat. GWP provides sophisticated investment strategies that matches your risk tolerance and helps you work toward your unique financial goals. Whether you want to invest for retirement, a major purchase or general investing, GWP is an innovative way to invest for your future. While your investment allocation glidepath will be based on your specific financial goals, GWP gives you the ability to review your account and adjust your goals at any time. Although most digital solutions have high minimums to open an account, you can get started with just $5,000*.

Why Choose GWP?

How It Works

Step 1: Visit the link to a secure online portal where you will start your GWP investment journey.

Step 2: You'll then answer a few questions within the online portal about your goals and risk preferences to help us understand what you'd like to achieve with your GWP investment account. Generally, the longer you have until your goal (e.g., when you want to use the funds for their intended purpose, such as retirement), the more aggressive your investment strategy should be.

Step 3: Receive your customized proposal.

Step 4: Open your account

Step 5: You can fund your new GWP account from your bank account or an IRA account rollover.

Step 6: Sign your digital enrollment documents via eSignature technology, and let GWP do the rest! After your account is complete, you’ll receive an email from our partner, LPL Financial, to get set up with Account View 2.0 where you’ll be able to view your statements and edit your account details if needed. In most cases, you’ll be able to complete your GWP account opening online using eSignature technology. Sometimes other steps may be needed based on how you are funding your account.

Explore GWP

FAQS

Frequently Asked Questions

What is the minimum investment?

All you need is $5,000 to get started investing for retirement, a major purchase or general investing.
What types of accounts can I set up through GWP?

GWP account types currently include Individual, Traditional IRA, Roth IRA and Rollover IRA.
Who manages the GWP investment models?

GWP uses LPL Research investment models spread across three major ETF sponsors to create and manage a diversified portfolio. GWP electronically monitors your account daily and rebalances it when needed to help you stay on track.
What will a GWP account cost me?

All GWP accounts are advisory accounts in which your fee is based on the value of your assets rather than commissions. While still offering advisor guidance on your investments, GWP offers lower fees in relation to full-touch, offline advisory services. Your proposal will outline the fees applicable to your account. If you have questions pertaining to the fee prior to enrolling, please reach out to your advisor.
Once I complete the Investor Profile Questionnaire (IPQ) online, how do I receive a proposal?

Your GWP proposal is automatically generated and presented to you online as soon as you complete the IPQ.
Why was I unable to proceed with the enrollment?

If your responses to the Investment Profile Questionnaire (IPQ) indicate that you are very conservative or very aggressive in your risk tolerance, you will not be able to proceed with enrollment. GWP is intended for individuals without extremes in risk tolerance. You can adjust your responses to reflect a more moderate risk tolerance which will enable you to enroll. You will also be ineligible for enrollment if you are 62 years of age or older.

*An annual small account fee is applied to accounts with less than $10,000 invested.

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.

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. San Diego County Credit Union and SDCCU Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using SDCCU Investment Services, and may also be employees of San Diego County Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, San Diego County Credit Union or SDCCU Investment Services. LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: (Depends on Advisor(s) Registration* AR, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, MD, NC, NJ, NM, NY, OH, OK, PA, SC, TX, VA, VT and WA. 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

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. LPL Financial Form CLS.