Easy Online Investing With the Guidance of a Financial Advisor

A Personal Advisor, Backed by Technology

Most digital investing solutions don't include a direct, personal relationship with a financial advisor — unless you have a substantial amount to invest. GWP is different. You get a personal advisor dedicated to you and your financial goals, paired with an online platform you can review and adjust any time. All you need to get started is $5,000, whether the goal is retirement, a major purchase, or general investing.

You Stay in the Driver's Seat

Your investment-allocation track is based on your risk preferences, specific financial goals, and the time frame for those goals. You can review your account and adjust the details at any time through your Account View investment portal. You'll receive regular email updates on market conditions, and your advisor provides ongoing monitoring to ensure your account continues to reflect your goals and preferences.

How It Works

With GWP, you have a financial advisor dedicated to your account, you receive diversified allocations based on your goals, and you benefit from trading techniques designed to keep the portfolio diversified and reduce the tax impact of moves. Investing with us, you get:

• Financial advice. Your advisor reviews your suggested portfolio allocation to make sure it's right for you, and they're available any time you have a question. When your life or financial goals change, your advisor helps determine if your GWP portfolio is still the right solution.
• Portfolio design by LPL Research. LPL Research, an experienced money manager, chooses the investments for the GWP portfolio models. Sporos doesn't manage the portfolios; LPL does. Our role is helping you choose the right portfolio for your situation and adjusting course when life changes.
• Consistent monitoring. Your portfolio is rebalanced annually to keep it on track as markets move.
• Tax-loss harvesting. Your accounts benefit from quarterly reviews for tax-loss harvesting opportunities. If an investment experiences a loss, we may sell it to offset taxable gains in your portfolio. The sold investments are then replaced by similar investments to maintain your asset allocation, until it's appropriate to buy back the original security — so you get the tax benefits while keeping a properly diversified portfolio.

Five Steps to Open Your Account

Step 1 — Receive your secure link

To get started, you'll receive a link to a secure online portal where you'll start your GWP investment journey. Begin here.

Step 2 — Answer a few questions

You'll answer a few questions in the online portal about your goals and risk preferences. Generally, the longer you have until reaching your goal (e.g., when you want to use the funds for their intended purpose), the more aggressive your investment strategy should be.

Step 3 — Receive your custom proposal

You'll receive your custom proposal via email.

Step 4 — Fund your account

You can fund your new GWP account from your bank account or an IRA account rollover.

Step 5 — Sign and you're invested

Sign your digital enrollment documents via eSignature, and let GWP do the rest. After your account is complete, you'll receive an email from our partner LPL Financial to set up Account View, where you can see your statements and edit your account details. In most cases, you'll be able to complete your GWP account opening online using eSignature technology. Additional steps may be needed depending on how you fund your account.

Frequently Asked Questions

Who is GWP a good fit for?

GWP is designed for people who want a diversified, professionally-designed investment portfolio with a real financial advisor available for questions, but who don't necessarily need full-service wealth management today. Common fits: people getting started building wealth, people consolidating an old 401(k) or IRA, and people who like the idea of an automated portfolio with a human advisor in the background.

What's the minimum to start?

$5,000.

Who manages the portfolios?

LPL Research designs the model portfolios that GWP uses. Sporos doesn't manage the portfolios; we help you select the right one for your goals and risk preferences and provide ongoing advice as your life changes. The disclosures at the bottom of this page have the full detail.

What does it cost?

You'll be charged a quarterly account fee, plus underlying investment fees and expenses (the ETFs in the portfolio have their own internal expense ratios) and certain miscellaneous fees. Your custom proposal will lay out the specifics for your situation before you fund the account.

How is GWP different from a robo-advisor?

Most robo-advisors don't include access to a financial advisor unless you reach a substantial account size. GWP includes that advisor relationship from the start. You get the convenience of a digital investing platform plus the option to talk through your situation with a real person.

Can I roll over an IRA or old 401(k) into GWP?

Yes. The five-step onboarding flow supports funding from a bank account or via an IRA / 401(k) rollover. Rollovers may take additional time depending on the source institution.

How does the tax-loss harvesting work?

Each quarter, your accounts are reviewed for tax-loss harvesting opportunities. If an investment is at a loss, we may sell it to offset taxable gains in the portfolio, then replace it with a similar investment to keep your allocation intact — until it's appropriate to buy back the original security. This is automated within the platform and happens behind the scenes.

Can I update my account or change my goals later?

Yes — that's the point of the Account View portal. You can review your account and adjust your goals at any time. Your advisor will help determine if your GWP portfolio remains the right fit when your situation changes.