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Guided Portfolio Services®

Overview

Learning and planning are essential first steps to a sound retirement plan. You may want to manage that plan yourself — with expert advice along the way. Or you may want a financial professional to manage your retirement investments at every step. Either way, we can help.

Guided Portfolio Services (GPS) is a fee-based program with two approaches to helping you achieve your retirement goals. One approach is for do-it-yourselfers. The other is great for those who prefer to have someone else do it for them. Both approaches deliver objective advice from independent financial experts, including how much to save, which investments to choose, and how much to invest in each. But only Portfolio Manager will manage your retirement plan assets for you. Note: GPS may not be available in certain employer-sponsored plans because it requires plan sponsor authorization.

Download Form ADV (Part II & Schedule F).

Features and Benefits Back To Top
  • Wealth Forecasting: Using information such as desired retirement age and income, current investments and other assets, and future income and expenses, GPS helps investors understand the likelihood of achieving their retirement income goals. Additionally, the wealth forecast is used in generating recommendations on investment portfolio, retirement age and savings/contribution rate.
  • Asset Allocation: The wealth forecast drives asset allocation, which diversifies portfolios into a variety of asset categories. Studies indicate that the greatest influence on investment results is the way assets are allocated.
  • Investment Selection: GPS recommends specific investments and exactly how much should be invested in each. We then make adjustments as needed based on performance and market trends.
  • Asset Management: With Portfolio Manager, we oversee your participants’ assets on an ongoing basis. After constructing their portfolios, GPS automatically reports on and maintains the account, including investment monitoring and portfolio rebalancing. For participants who want to maintain their own account, Portfolio Advisor enables them to manage their own assets based on the advice they receive via our Internet tools.
 
GPS Portfolio Advisor Back To Top

Advice service that includes:
 
• Forecast of annual retirement income based on participant’s unique financial circumstances

• Comprehensive portfolio construction, including asset allocation and investment selection

• Recommended savings rate and retirement age

• Monitoring of investment option lineup

• Ongoing portfolio optimization

• Access to services via telephone and Internet

GPS Portfolio Manager Back To Top

Managed account program providing all the advice and services of Portfolio Advisor plus:

• Automatic implementation of investment advice

• Ongoing portfolio monitoring and asset rebalancing

• Quarterly advice statements

• Automatic annual review and update of retirement income forecast and advice

• Access to services via a financial advisor

Fees Back To Top

GPS - Portfolio Manager Fees (These are standard fees. Fees may vary for some employer-sponsored plans.)

 • Asset based fee assessed quarterly using quarter-end balance.
 • Break point fee reductions apply as follow:

 GPS Assets Managed Annual Participant Fee 
 1st $100,000                   0.60% on assets
 Next $150,000                 0.50% on assets
 Amount Over $250,000    0.45% on assets

For example, the annual fee for managing $10,000 would be $60.00.

GPS - Portfolio Advisor Fees
 • $25 annual fee 
 • Assessed shortly after enrollment and once per year