Invest online with the guidance of Centra Financial Services

You want to make smart financial decisions, but that doesn't have to mean scheduling meetings, sitting in offices, or navigating complex jargon. With CFS's Guided Wealth Portfolio (GWP) program, you get the expert guidance you need with the digital convenience you prefer.

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How it works

With GWP, 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.

Plus, you’ll have one of our experienced financial advisors dedicated to your account. By investing with CFS, you’ll enjoy:

  • Financial advice: Your advisor will review your portfolio to ensure it fits your needs and is available anytime you have questions. As your goals change, they’ll help you decide if GWP remains the right fit.
  • Portfolio design: LPL Research, an experienced money manager, chooses the investments for GWP’s portfolio models.
  • Consistent monitoring: Your portfolio is rebalanced annually to keep it on track as markets change.
  • Tax-loss harvesting: Your accounts receive quarterly reviews for tax-loss harvesting. For example, if an investment drops, we may sell it to offset gains, then replace it with a similar asset to maintain your diversification and strategy.

Ready to get started?

  1. Access the portal. Click the button below to begin your GWP journey online.
  2. Tell us about you. Answer some questions about your goals and risk tolerance to guide your investment strategy.
  3. Review your proposal. You’ll get a personalized portfolio recommendation via email.
  4. Fund your account. Easily transfer money from a bank account or roll over an Individual Retirement Account (IRA). You’ll need a minimum of $5,000 to get started.
  5. Sign and go! Complete your setup with digital signatures. Once your account is open, you’ll get access to our partner’s (LPL Financial) ‘Account View’ to manage your portfolio and view statements. Please note that additional steps may be needed depending on how you fund your account.
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If you have any questions, reach out to us here!

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.

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