generation-go investing platform
Put your money to work so you can start working towards your dreams
Manage your wealth with a diversified investment portfolio matched to your unique goals, all while enjoying an at-your-fingertips digital investment experience. It’s an easy online process that requires only $5,000 to get started.
*$5,000 minimum per account
The benefits of using the GenerationGo Investment Platform
We’re here to help you create a Guided Wealth Portfolios account ‐ it’s online, easy to access, and monitored by your financial professional for optimal performance.
- Invest with an automated, expert-built portfolio.
- Get started with diversified portfolios of stocks and bonds.
- We handle the hard stuff, from recurring deposits to dividend reinvesting to managing your portfolio.
- Automated and optimized tax strategies are designed to help you minimize the tax impact on your investments.
- Low-cost investing so everyone can do what’s best for their money.
Build wealth with automated investing
We make investing easy. No day trading or navigating market ups and downs. We’re here to help you earn more over the long-term and make smart decisions with your money.
- We do it for you. Invest like a pro with diversified portfolios (and skip the hassle of picking stocks).
- Tax-efficient investing. Strategies like Tax Loss Harvesting and asset location help minimize your taxes and maximize your returns.
- Ongoing optimization. We continually monitor your investments, rebalance your portfolio, and reinvest your dividends.
sophisticated technology
Access & Control
With GenerationGo, you’re in the driver’s seat.
While your investment-allocation track will be based on your risk preferences, specific financial goals, and the time frame for those goals, you have the ability to review your
account and adjust your goal’s details at any time through your Account View investment portal.
You’ll also receive regular updates via email on market conditions and your advisor will review your investments annually, at a minimum, to ensure your account continues to reflect your goals and risk preferences.
what's the difference?
How does it compare with your average robo-advisor?
We understand you have 100s of options when it comes to choosing a robo-advisor, but we offer a few benefits that may help make your decision a no-brainer.
- GenerationGo uses an automated, expert-built portfolio.
- GenerationGo provides automatic contributions into your existing portfolio.
- GenerationGo offers automatic tax-loss harvesting to potentially lower an investor’s tax bill.
- GenerationGo affiliates you with the trusted advisors at Generation Wealth, and they oversee the investments.
- GenerationGo charges .50% on the assets under management.
- Most, but not all, robo-advisors use an automated, expert-built portfolio.
- Some, but not all, robo-advisors allow for automatic contributions into your existing portfolio.
- Very few robo-advisors offer automatic tax-loss harvesting.
- To gain access to any human oversight at robo-advisors, your fee will substantially increase.
- Most robo-advisors cost .20-.50% on the assets under management.
How it works
Let's get you started with these next steps
Step one
We’ll ask you a few questions related to your goal, timeline, and funding preferences. From that information, you’ll get a proposal created just for you.
Step two
Once you review and approve the proposal, we’ll ask for details about your work history and investing profile to set up your account.
Step three
You’ll get access to a dashboard with a comprehensive view of your investment. You can see how it’s performing, add money, or make adjustments.
*$5,000 minimum per account
Frequently Asked Questions
Our automated & monitored platform is designed to help your money grow over the long-term, and we believe it should come with low fees to help you keep and grow more of your money.
You will pay an annual price of 0.50% on your investing account balance that will be charged .125% each quarter.
Each account requires a minimum of $5,000 to get started. These funds can come in from cash in your checking or savings accounts or it can come from outside investments.
No, you can transfer your assets as they are right now. Then our system will recommend new investments and make those changes for you.
GenerationGo is well-suited for those who are looking for a low-touch, low-cost model, as much of the advice is performed digitally and automatically.
However, our LPL Customer Support team members are available five days per week to answer questions about technical or operational issues.
If you have advice-related questions, you can email us at go@thegenerationwealth.com, and we’ll answer within 48 business hours. Our ability to give a specific answer will depend on the question and may require additional services in order to give a suitable answer.
If you want in-depth financial advice and planning, you can review our financial planning services here for an additional cost.
Our comprehensive Wealth Planning Services provide you with unlimited access and costs an additional 0.50% on your invested balances (with a minimum account balance requirement of $500,000).
We also offer advice packages for needs of all kinds, starting at $199.
Our questionnaire will ask for your age, risk tolerance, and how long you plan to work before retirement, as well as gauge how you might react to the ups and downs of the stock market.
All these data points are used to determine your portfolio’s asset allocation, which typically includes a combination of stocks, bonds, and uninvested cash on hand for rebalancing.
Generation Wealth, LLC is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at http://www.sipc.org. What you should remember is that the SPIC does not protect against market changes in your investing account.
Automated tax-loss harvesting is often considered a valuable tool for tax-efficient investing because it involves using an algorithm — rather than a human advisor — to sell securities at a loss so as to offset capital gains and potentially lower an investor’s tax bill.
Some, but not all, robo-advisors offer this service as part of their automated portfolio structure. Generation Go DOES offer it.
Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts.
More than just a portfolio management team, our experts work to develop improvements to our tax-smart technology, our cash analysis tools, and other advanced strategies.
Our LPL Customer Support team members are available five days per week to answer questions about technical or operational questions.
If you have advice-related questions, you can email us at go@thegenerationwealth.com, and we’ll answer within 48 business hours. Our ability to give a specific answer will depend on the question and may require additional services in order to give a suitable answer.
If you want in-depth financial advice and planning, you can review our financial planning services here for an additional cost.
Our comprehensive Wealth Planning Services provide you with unlimited access and costs an additional 0.50% on your invested balances (with a minimum account balance requirement of $500,000).
We also offer advice packages for needs of all kinds, starting at $199
If you want in-depth financial advice and planning, you can review our financial planning services here for an additional cost.
We pride ourselves on meeting you where you’re at now, and we offer a variety of inclusive service options to choose from.
Our advice packages are for needs of all kinds, starting at $199.
Our comprehensive Wealth Planning Services provide you with unlimited access and costs an additional 0.50% on your invested balances (with a minimum account balance requirement of $500,000).
If you’re already a GenerationGo client, click here to access your account.
creating the right portfolio for you
The GenerationGo Investment Process & Philosophy
Your portfolio makeup: exchange-traded funds
Our Guided Wealth Portfolios are made up of a mix of low-cost exchange-traded funds (ETFs). An ETF is a type of fund that owns groups of assets, like stocks or bonds, and is designed to provide portfolio returns in line with a particular index, such as the S&P 500. ETFs can provide you a diversified portfolio and are traded like stocks, making it easier to take advantage of market changes and potential tax-saving opportunities.
Your GenerationGo account may contain up to 10 ETFs—six equity and four fixed income—each in line with a
different index target and invested in U.S. or foreign stocks and bonds.
The three-step portfolio building process
GenerationGo’s three-step process is what determines which portfolio is right for you based on your individual goals, investment timeline, and feelings about risk in your investments. Our sophisticated technology and online portal will walk you through this process step by step.
how does it really work
Let's go deeper into the investment selection process
What's your goal?
1. Choose from 3 primary goal options.
You can have multiple accounts for multiple goals, but you’ll go through this process for each one, keeping you organized and on track.
- Retirement: You want to potentially grow your account for retirement.
- Major purchase: You want to save and invest for a home, car, vacation, etc.
- General investing: You don’t have a specific goal in mind, but you want to start investing for the future.
ideal goal deadline
2. What's your investment horizon?
If you’re investing for retirement or a major purchase, your investment time frame will be the key factor in determining your initial portfolio allocations.
- Retirement is typically 10+ years down the road and may warrant more equity exposure.
- A Major Purchase is typically 2-10 years down the road, and may warrant a more balanced mix of equity and fixed income.
- General Investing - if you don't choose a timeline, your investment mix will be determined by your risk tolerance. Try to choose a timeline.
Risk tolerance
3. What's your risk preference?
Next, you’ll answer a series of risk preference questions. This will clarify if you prefer:
- Taking on more risk, which means you’ll receive more equity exposure in your portfolio.
- Taking on less risk, which means you’ll receive more fixed income exposure in your portfolio.
- A mixed approach, which means you’ll receive a balanced mix of equity and fixed income in your portfolio.
Additional Features
Rebalancing
Our Guided Wealth Portfolios from GenerationGo looks at your account annually and looks to determine if the markets caused your portfolio to drift too far from its intended allocation. It will then buy or sell investments if necessary to keep your portfolio in line with your goals.
Tax-Saving
GenerationGo analyzes your account to look for tax-loss harvesting opportunities each quarter to help you potentially save on taxes. This means we may sell a security that has experienced a loss in an attempt to offset taxes you could incur on gains or income from other securities in your portfolio. The proceeds will be reinvested into replacement securities until appropriate to repurchase the primary model security. In some investing scenarios, this type of tax-saving strategy is only available for investors with larger account sizes, but with Guided Wealth Portfolios, it’s available for all taxable accounts, regardless of account size.
Fees + Costs
We charge .50% on the assets under management. Fees are billed in quarterly installments and deducted from each of your eligible accounts. Certain other fees may apply pursuant to the terms of your Account Agreement, including, but not limited to, underlying fund expense ratios and a quarterly small account fee for each account under $10,000. To get started, you must start an account with $5,000.
let's go with...
Contact Us
*$5,000 minimum per account
Don’t see your question in the FAQ’s?
I love connecting with you and answering your burning questions about our online investing platform, GenerationGo. You can email us directly at hi@daniellenava.com to get in touch and we’ll return the favor within 48 business hours.
Disclosures:
The tax-loss harvesting and other tax strategies discussed should not be interpreted as tax advice and there
is no representation that such strategies will result in any particular tax consequence. Clients should consult
with their personal tax advisors regarding the tax consequences of investing. LPL Financial does not provide
tax advice. Guided Wealth Portfolios (GWP) is a centrally managed investment program sponsored by LPL Financial
LLC (LPL). Guided Wealth Portfolios generates investment recommendations based upon model portfolios
constructed by LPL. If you are receiving advisory services in Guided Wealth Portfolios from a separately registered investment advisor firm other than LPL, LPL is not affiliated of such advisor. LPL investment advisors are registered with the U.S. Securities and Exchange Commission, and LPL is a member of 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 nondiversified portfolio. Diversification does not protect against market risk.
An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves
the risk of losing money and should be considered as part of an overall program, not a complete investment
program. An investment in ETFs involves additional risks such as non-diversification, price volatility, competitive
industry pressure, international political and economic developments, possible trading halts, and index tracking errors. Rebalancing a portfolio may cause investors to incur tax liabilities and does not assure a profit or protect against a loss.