A Simple Way to Start Investing With Support You Can Trust
You deserve an investing option that is clear, steady, and easy to use. Guided Wealth Portfolios (GWP) is an online investment platform that helps you build an investment plan based on your goals, timeline, and comfort with risk. It uses model portfolios built with low-cost exchange-traded funds (ETFs) and gives you access to guidance along the way.
GWP offers a direct path to starting or improving your investment habits. Whether you want to save for retirement, set aside money for a major purchase, or begin investing for the first time, it provides structure and support without feeling complicated or overwhelming.
What Guided Wealth Portfolios Offers
GWP blends relevant investment tools with steady, practical guidance. It helps you make informed decisions and stay on track over time.
Key Features
- Straightforward investment plan based on your answers about goals, timing, and risk.
- Low starting minimum, to make it easier to get started.
- Portfolios made of diversified, low-cost ETFs built by LPL Financial.
- Automatic monitoring and adjustments to help keep your portfolio aligned with your stated goals.
- 24/7 online access so you can check your account anytime.
- Connection to a financial advisor, with GWP serving as the tool that supports your long-term plan.
How GWP Works
GWP guides you through a simple setup process and produces a proposal based on your goals.
- Share Your Information
You answer a few questions about what you want to achieve, how long you plan to invest, and how you feel about risk. - Review Your Proposal
GWP creates a proposal that outlines a suggested portfolio. It shows how the recommended investments may support your goals over time. - Put Your Plan in Motion
If you open a GWP account, the platform invests in the selected model portfolio. It monitors your account and adjusts it when needed to stay aligned with your stated risk level and investment timeline.
Who GWP May Be Right For
First-Time Investors
If you have never invested before, GWP offers clear steps, simple explanations, and a structured plan to help you begin.
Retirement-Focused Investors
If you are preparing for retirement, GWP uses your time horizon and risk inputs to suggest a portfolio that fits your long-term goals.
Members Saving for a Major Purchase
If you want to save for a home, car, education, or other large expense, GWP provides a goal-based approach that helps you invest with intention.
Anyone Who Wants a Straightforward Online Investing Option
If you value convenience and want an investment tool that is easy to understand and easy to access, GWP provides a balanced, transparent solution.
Why Investment & Insurance Services Located at Credit Union of New Jersey Uses GWP
We support members with tools that make financial decisions easier. Guided Wealth Portfolios gives you a structured way to invest with model portfolios built by LPL Financial. We offer guidance and support while GWP provides the technology and the portfolios. Together, these resources help you build an investment plan that is steady, informed, and aligned with your personal goals – giving you the financial confidence.
Enjoy the freedom to prosper. If you have questions about Guided Wealth Portfolios (GWP), just give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org, or stop by one of our branches.
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. Credit Union of New Jersey and Investment & Insurance Services Located at Credit Union of New Jersey are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Investment & Insurance Services Located at Credit Union of New Jersey, and may also be employees of Credit Union of New Jersey. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Credit Union of New Jersey or Investment & Insurance Services Located at Credit Union of New Jersey. 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 |
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.
Credit Union of New Jersey ("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.
Membership has its discounts.
Enjoy savings at hundreds of retailers, restaurants and services.
