Investing, Guided by a Real Advisor
Guided Wealth Portfolios pairs an online investment platform with a real advisor, so your portfolio isn’t just an algorithm’s best guess.
A Managed Portfolio, Built Around You
Guided Wealth Portfolios combines an online portfolio manager with personal support from a Waypoint Advisory Group advisor. You start with a short questionnaire about your goals, timeline, and comfort with risk, and get a proposed portfolio built from low-cost exchange-traded funds before you commit any money.
$5,000 Minimum to Open
A lower starting point than many managed accounts, with the same professional oversight.
Daily Monitoring and Rebalancing
Your portfolio is watched and adjusted automatically, not just once a year.
Tax-Loss Harvesting Available
Trading techniques built to help improve after-tax returns where applicable, without requiring you to manage it yourself.
Fees Apply and Value Can Fall
Like any investment account, Guided Wealth Portfolios carries fees and can lose value. Fees are disclosed by Waypoint Advisory Group.
Opening an Account
Getting started takes a short questionnaire and a review with an advisor before any money moves.
- At least $5,000 to open an account
- A completed questionnaire on goals, timeline, and risk tolerance
- A reviewed and approved portfolio proposal before funding
Frequently Asked Questions
No. Guided Wealth Portfolios is offered through LPL Financial, not Waypoint. It isn’t NCUA insured, isn’t a deposit, and can lose value.
Yes. Like any investment account, the value can go up or down, and you could lose money, including some or all of your original investment.
Advisory fees are disclosed by Waypoint Advisory Group. Ask for the current fee schedule before you open an account.
See a Sample Portfolio
$5,000 gets you started.
Talk to a Waypoint Advisory Group advisor about whether a guided portfolio fits your goals.
Important Disclosures
Holland Rajaniemi is a financial advisor with, and 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 licenses affiliates. Waypoint Credit Union (Waypoint) and Waypoint Advisory Group are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Waypoint Advisory Group, and may also be employees of Waypoint. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Waypoint or Waypoint Advisory Group.
Securities and insurance offered through LPL or its affiliates are:
Not Insured by FDIC or Any Other Government Agency |
Not Bank Guaranteed |
No Bank Deposits or Obligations |
May Lose Value |
Waypoint 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 advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
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.