Investing for Millennials and Gen Z


Let Your Money Grow with Our Done-For-You Investment Program – Tailored to Your Goals!

In today's fast-paced world, where the financial landscape is as dynamic as ever, Millennials and Gen Zers face unique financial challenges. With many responsibilities and the aspiration to secure a stable future, finding the right path to financial freedom can seem daunting. That's where we come in. Our done-for-you investment program (Guided Wealth Portfolio aka GWP) is specially designed for young professionals like you who are ready to make their money work for them.

We know you're looking for more than just another financial tool. You're seeking a partner who understands your lifestyle and career aspirations, balancing today's needs with tomorrow's dreams. Our program is crafted considering the unique financial situations of Millennials and Gen Zers. Whether you're saving for a new home, planning for a comfortable retirement, or aiming to build wealth, we align our strategies with your goals.

How it works

1. Tell Us Your Goals:

Share your financial aspirations with us. Whether it's early retirement, buying your dream home, or creating a safety net, your goals are our priority.

2. Decide Your Investment:

You have complete control over how much you invest. Whether you start small or go big, every step counts towards your financial freedom.

3. We Handle the Rest:

Our team will craft a personalized investment portfolio based on your goals and risk tolerance. We manage the complexities of investing, so you don't have to.

4. Regular Updates & Adjustments:

Markets change, and so do your needs. We continuously monitor and adjust your portfolio to align it with your goals.

5. Access to Our Team:

Have questions? Our live financial advisors are just a call away. Get personalized advice whenever you need it.

Start your journey towards financial freedom today. Join our community of forward-thinking Millennials and Gen Zers taking charge of their financial future.

Sign up now and let your money start working for you.

With GWP, you receive a diversified portfolio that matches your risk preferences and helps you work toward your unique financial goals while enjoying an at-your-fingertips digital investment experience.

This is combined with account monitoring that reviews your account annually for rebalancing and each quarter for tax-saving opportunities to keep your account in line with its goal and potentially improve it for greater diversification and future growth. You get insight into what's happening in your account through your online portal, and if you ever have any questions about your investment strategy, we are just a phone call away.

<sup>Why Choose us?</sup>

Why Choose us?

We are an independent wealth management firm headquartered in Solon, Ohio, serving clients across the US. We prioritize building a relationship founded on trust and transparency, focusing on guiding through the complexities of financial planning. Our approach involves crafting financial strategies that reflect your personal and professional aspirations, though the outcomes, like all financial planning, are subject to market risks and uncertainties. We recognize the value of your time and strive to offer solutions that simplify financial management, allowing you to focus more on your core work. While we endeavor to future-proof your finances against market fluctuations and regulatory changes, we acknowledge that the financial landscape is ever-changing and can present unforeseen challenges. In understanding the unique nature of your profession, we aim to align our services with your passion, acting not just as advisors but as partners on your financial journey. Our goal is to create financial pathways that resonate with your values and goals, though they are adapted to the realities of financial planning. By shouldering some of the burdens of financial management, we hope to give you more space to focus on your practice while navigating together through the uncertainties of the financial world.

Your portfolio makeup

All GWPs comprise a mix of low-cost exchange-traded funds (ETFs). An ETF is a type of fund that owns groups of assets, like Stocks or
Bonds are designed to provide portfolio returns aligned with a particular index, such as the S&P 500. ETFs can provide you with a diversified portfolio and are traded like stocks, making it easier to take advantage of market changes and potential tax-saving opportunities.

Your GWP account may contain up to 10 ETFs—six equity and four fixed income—each in line with a different index target and invested in the US or foreign stocks and bonds.

The three-step portfolio-building process

GWP's three-step process determines which portfolio is right for you based on your goals, investment timeline, and feelings about investment risk. You can visit an online portal to walk through this process.

Step 1: 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, but you want to start investing for the future. 

Step 2: What's your investment horizon? 

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 3: What's your risk preference? 

Next, you'll answer a series of risk preference questions. This will clarify if you prefer:

  • Taking on more risk means you'll receive more equity exposure in your portfolio.
  • Taking on less risk means you'll receive more fixed-income exposure in your portfolio.
  • A mixed approach means you'll receive a balanced equity and fixed-income mix 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 preference will determine the investment allocation track for 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 preference will be the key determining factor in your portfolio allocation.

Let's get started, today!

Investment objectives

If you're investing for retirement or a major purchase, you'll get what's called a portfolio glidepath, which will "glide" you toward your goal over time and work toward one of five investment objectives.

For retirement or a major purchase, these objectives may shift over time as you move along your portfolio glidepath. With general investing, your portfolio will be aligned with one of these objectives and remain static. 

  • Income with Capital Preservation: Lowest level of risk. Emphasis on income and preventing capital loss.
  • Income with Moderate Growth: Emphasis on current income with some focus on moderate capital growth.
  • Growth with Income: Emphasis on modest capital growth. Certain assets are included to generate income and reduce overall volatility.
  • Growth: Higher than average risk. Emphasis on achieving high long-term growth and capital appreciation.
  • Aggressive Growth: Highest level of risk. Emphasis on aggressive growth and maximum capital appreciation.

Retirement and major purchase goals: how they work 

With a retirement or a major purchase goal, your initial account allocation is based primarily on your time until your goal date, as, generally, the more time you have until your investment goal, the more aggressive your investments should be. So, as you approach your goal year, your allocation will become more conservative. Your specific glidepath is also based on your risk preferences. For example, suppose your answers to the risk preference questionnaire indicate you're a conservative investor. In that case, your glidepath will be assigned to the conservative allocation track, shown in the chart on the next page.

Rebalancing:

GWP looks at your account annually to determine if the markets caused your portfolio to drift too far from its intended allocation. It will then buy or sell investments if necessary to keep your portfolio in line with your goals.

Tax-saving strategies:

GWPs also analyze your account to look for tax-loss harvesting opportunities each quarter to help you save on taxes. This means Guided Wealth Portfolios may sell a security that has experienced a loss in an attempt to offset taxes you could incur on gains or income from other securities in your portfolio. The proceeds will be reinvested into replacement securities until appropriate to repurchase the primary model security. In some investing scenarios, this type of tax-saving strategy is only available for investors with larger account sizes, but with Guided Wealth Portfolios, it's available for all taxable accounts, regardless of account size.

our commitment to you

our commitment to you

In our approach, we see you as a partner. We aim to offer support, expertise, and understanding throughout this journey. We're committed to being a guiding presence, providing assistance and insights. You've dedicated your life to helping others; we hope to offer you guidance and support. We want to work alongside you, contributing to a future where we strive for your financial well-being, complementing your dedication to mental health.

The tax-loss harvesting and other tax strategies discussed should not be interpreted as tax advice and there is no representation that such strategies will result in any particular tax consequence. Clients should consult with their personal tax advisors regarding the tax consequences of investing. LPL Financial does not provide tax advice.

Guided Wealth Portfolios (GWP) is a centrally managed investment program sponsored by LPL Financial LLC (LPL). Guided Wealth Portfolios generates investment recommendations based upon model portfolios constructed by LPL. If you are receiving advisory services in Guided Wealth Portfolios from a separately registered investment advisor firm other than LPL, LPL is not affiliated of such advisor. LPL investment advisors are registered with the U.S. Securities and Exchange Commission, and LPL is a member of 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 nondiversified portfolio. Diversification does not protect against market risk.

An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. 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.

Rebalancing a portfolio may cause investors to incur tax liabilities and does not assure a profit or protect against a loss.

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