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Guided Wealth Portfolio – Digital Investing

Uses the intelligence of an online portfolio manager combined with personal assistance and support from a financial consultant. Learn More


Invest for your future: An IRA remains an effective way to save for retirement. Every year counts, as the earlier you start making your contributions, the more opportunity you have for your earnings to compound.

Enjoy potential tax benefits: In both traditional and Roth IRAs, the growth of the investments is tax-deferred, meaning you owe nothing on the gains, while the money remains in the IRA.

Build beyond your 401(k): IRAs allow individuals to contribute up to $5,500 per year; that’s on top of what you can invest annually in your 401(k) or other employer-sponsored retirement plans. Note that tax contributions are only tax deductible within certain income limits.

OPEN YOUR IRA WITH Guided Wealth Portfolios

Guided Wealth Portfolios is our digital investment platform that combines access to an advisor with an advanced digital portfolio.

Personalized investment advice from your dedicated advisor.
With GWP, you have a licensed advisor who understands your financial situation and goals and is there when you have questions or need guidance.

A customized digital portfolio
You’ll enjoy a sophisticated investment approach that ensures your portfolio is monitored regularly, automatically adjusted and optimized for tax savings to help keep you on track toward your goals.

Confident, connected investing
Benefit from your financial advisor’s guidance while enjoying the convenience of anytime account access and proactive communications that keep you up to date.

Schedule a call (570) 746-8765 for personalized IRA advice and step-by-step guidance on opening your IRA today.

Traditional IRAs are funded with tax deductible contributions in which any earnings are tax deferred until withdrawn, usually after retirement age.  Unless certain criteria are met, IRS penalties and income taxes may apply on any withdrawals taken from Traditional IRAs prior to age 59 1/2.  RMDs (required minimum distributions) must generally be taken by the account holder within the year after turning 70 ½. 

The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL). GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are nonaffiliated entities. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors 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.

References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.

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Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

The investment products sold through LPL Financial are not insured PS Bank deposits and are not FDIC insured. These products are not obligations of the PS Bank and are not endorsed, recommended or guaranteed by or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

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