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Robo Advisor Program

投资变得简单:让机器人顾问1 选择你的投资并建立一个定制的投资组合.

Easy Setup

Low-cost management fees

Transfer or Rollover

401(k)，个人退休账户和经纪账户

让我们的机器人顾问帮助您 financial wellness journey

由嘉信理财机构智能投资组合平台提供支持®1, our Robo Advisor Program takes the guesswork out of investing because it automatically invests for you. By choosing from 51只由专业人士挑选的低成本交易所交易基金(etf); the Robo Advisor will automatically build a diversified portfolio based on your needs and help keep you on the path of financial wellbeing. 无论你是刚开始工作, 需要为退休做准备, 或者为孩子的教育存钱, 为你的未来投资永远不会太晚.

我们的机器人顾问程序提供了这些方便的功能2:

  • Quick and easy account set-up
  • 用5000美元进行投资
  • 轻松转移和展期您的IRA和401(k)
  • Automatically creates a customized portfolio to align with your investment goals
  • 具有竞争力，管理费低
  • View balance via Patelco Online™
  • Technical support available
  • 消除了投资中的猜测和恐吓因素

We’ve got your back every step of the way

Patelco在您财务旅程的每个阶段为您提供支持, 我们让投资变得比以往任何时候都容易. 作为Patelco的会员，当你注册我们的机器人顾问计划时2，我们为你提供一些惊人的福利:

One dashboard

Robo Advisor is integrated with Patelco Online™, giving you a single dashboard to view balances and see information and activity on all of your accounts!

Fast funds transfers

增加你的投资是轻而易举的事! Login to Schwab to transfer funds from your Patelco savings or checking account directly into your Robo Advisor account.

Support when you need it

Patelco is committed to delivering a world-class investment experience to our members. 不确定机器人顾问是否适合你? Have investment questions? Need a complimentary investment consultation with one of our CFS Financial Advisors3? 我们让与我们的团队取得联系变得很容易:

We‘re invested in your future

Our Robo Advisor Program leverages Schwab’s 机构智能投资组合® to build a portfolio based on your unique financial goals. Patelco and Schwab share a mutual commitment to helping you thrive on your financial wellness journey. 一旦你的Robo Advisor账户建立, 您的每月账单和账户服务将由嘉信理财提供. If you have servicing-related Robo Advisor account questions, please contact Schwab at 877.805.3399 or email support at digitalsupport@cusonet.com.

Getting started is easy

Patelco的机器人顾问程序很容易上手:

  • Complete a short questionnaire to establish your goals, risk tolerance, and timeline
  • Robo Advisor will do the investing for you by choosing from a diversified portfolio of professionally selected Exchange Traded Funds (ETFs)
  • 在嘉信理财上设置您的ACH付款信息. 您的Robo Advisor帐户将资助2-3个工作日

If you’re looking for a smart, 有效的方法来建立和管理一个投资组合-退休, education, a house, or more – 帕特尔科的机器人顾问计划可以帮助你实现这一目标.

Get Started

Are you retirement ready?

退休之路需要仔细导航和规划. Are you ready? 现在就掌握自己的未来，让你的黄金岁月熠熠生辉!

Couple walking on beach

    All roads lead to retirement and saving for this major life event starts as soon as you’re working. With tax incentives that we get from the IRS for saving for your own retirement, it’s easy. It’s cheaper too, if you invest in some solid stock funds and let the global economic growth build your assets over your lifetime. As people near retirement, they almost intuitively want to move to safe and conservative investments. I get it, 但我总是要提醒客户，在65岁的时候, 你可能离你的长期目标还有二三十年的距离.
    Investments in money market savings and CDs have never kept pace with inflation and taxes. In fact, every 20 years, our money’s worth about half as much or has about half of the purchasing power. Luckily, there are products that offer principal protection and potential growth from market indexes.
    一个好的财务顾问可以帮助你投资, accumulate, consolidate and eventually plan for the distribution of your retirement assets to you.

Got questions?

    机器人顾问使用算法为你选择投资, then closely monitors, adjusts, 自动重新平衡你的投资. 因为机器人顾问使用的人力比经纪公司少, they generally have lower fees, 需要较小的最低初始投资, 而且他们的投资选择也比较有限.
    理财顾问会就你的目标向你咨询, 创建一个定制的投资计划, 然后积极地为你管理投资. A financial advisor has access to more investment options compared to a robo advisor, 他们还经常为遗产规划提供指导, taxes5, and insurance. Working with a financial advisor generally requires reserves and a higher minimum investment

    我们的机器人顾问计划的最低投资是5000美元.

    A robo advisor is ideal for someone who wants investment guidance for a lower fee. Robo advisors can put your money to work without your hands needing to be on the wheel. A robo advisor can save you from needing to sift through online investing advice and will ultimately save you time by managing your investments for you. A Robo advisor may also be good for someone who lacks the time or expertise to manage their finances, 但他想为未来积累财富.

    Our Robo Advisor leverages Schwab 机构智能投资组合® and is offered through our broker/dealer, CUSO Financial Services, L.P. Patelco chose to work with Schwab to help deliver this service to our members because they are one of the largest and most-respected discount brokers in the US. If you have servicing questions about your Robo Advisor account, contact Schwab at 877.805.3399或发邮件至嘉信理财支持 digitalsupport@cusonet.com.

    如果你对Robo Advisor的工作方式有疑问, 或者你想知道Robo Advisor是否是你的正确投资选择:

    For servicing and Robo Advisor account questions, please contact Schwab at 877.805.3399或发邮件至嘉信理财支持 digitalsupport@cusonet.com.

    将资金转移到您的Robo Advisor帐户很容易. 只需登录您在嘉信理财的Robo Advisor帐户, then schedule a funds transfer from your Patelco savings or checking account directly into your Robo Advisor account.

    Generally, 经纪账户允许你选择自己的股票和证券, 你的投资组合也有可能变得不平衡, 哪个会让你蒙受更大的损失.
    A robo advisor will diversify your portfolio through ETFs and indexed funds, 这样万一你损失了, it’s not significant. Thanks to rebalancing and tax-loss harvesting, you’ll also drop investments that aren‘t doing well.

    您的月结将直接从嘉信理财寄来.

1 These materials have been independently produced by Patelco Financial Solutions, available through CFS, which is independent of, and has no affiliation with, 嘉信理财绩效技术® ("SPT"), Charles Schwab & Co., Inc. ("CS&”)，或其任何附属公司(合称“嘉信理财”). Schwab has not created, supplied, licensed, endorsed, 或者批准这些材料, 嘉信理财也没有独立核实其中的任何信息. 机构智能投资组合® is an automated investment management service for independent advisors and available exclusively through independent investment advisory firms like Patelco Financial Solutions, not Schwab, 负责为你的课程提供建议吗, including recommending and selecting a portfolio appropriate for you and managing your portfolio on a discretionary basis. 您的投资组合将在CS的经纪账户中保存&Co. “机构智能投资组合”是嘉信理财的商标 & Co., Inc.

2 要开始或了解更多信息，请访问我们的 Robo Advisor Program. 您的投资组合将存在嘉信理财的经纪账户中 & Co., Inc.

3 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, 难道不是信用合作社的担保或义务吗, 并可能涉及投资风险，包括可能损失本金. 投资代表须透过中心注册. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

4 CUSO Financial Services, LP located at Patelco Financial Solutions is offering our Robo Advisor Program as an innovative new way to invest through 嘉信理财绩效技术®. Our Robo Advisor Program offers a diverse suite of portfolios using an automated management investment service that helps automatically rebalance your investments when needed.

5 中心不提供税务或法律意见. 有关此类指导，请咨询税务和/或法律顾问.

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