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Guided Wealth Portfolios from First National Financial Services

Guided Wealth Portfolios provide you the advantage of sophisticated technology with access to a personal financial advisor.


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Automated Investing Access to Personalized Service

Guided Wealth Portfolios (GWP) with First National Financial Services combines the ease of technology with the personal attention and service you’re accustomed to from FNFS. Many digital investing tools, also referred to as robo advisors, often don't include a dedicated relationship with a financial advisor. With GWP from FNFS we're here to guide you throughout the online investing process.

Personalized Strategies

You have goals you want to pursue, we’ll provide you an investment roadmap based on your personal goals, investing timeline and risk preferences. Your roadmap is created just for you based on where you are and where you want to go. Of course, as your goals change your roadmap can change too.

  • Ongoing planning, service, and advice
  • Investment roadmap designed just for you
  • Access to a First National Financial Services Advisor

Advanced services on a low-minimum platform

With investable assets starting at $5,000* you can sign-up for a GWP account with FNFS. Your assets will be allocated in a tax-efficient manner, considering the tax impact of each trade before it goes through. Our investment platform, Guided Wealth Portfolios, offers portfolios made up of low-cost ETFs, designed to help you pursue your retirement goals.

  • Low initial investment minimums
  • Tax-efficient investing
  • Portfolios made up of low-cost ETFs

Intuitive, intelligent technology

The technology that powers GWP from FNFS makes the self-directed investing process fast and easy. Invest online anytime, anywhere with access to a personal portal where you can view your accounts in one place, open new accounts, see your portfolio, and make updates. All of this comes with the confidence of knowing that we are here for you when you need us.

  • Personal investment portal
  • Ongoing monitoring of your portfolio
  • 24/7 access to your accounts

*An annual small account fee is applied to accounts with less than $10,000 invested.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First National Bank of Pandora and First National Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the name First National Financial Services and may also be employees of First National Bank of Pandora. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First National Bank of Pandora or First National Financial Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or any other Government Agency

Not Bank Guaranteed

Not Bank Deposits or Obligations

May Lose Value

Guided Wealth Portfolios (GWP) is a centrally managed investment program sponsored by LPL Financial LLC (LPL). GWP generates investment recommendations based upon model portfolios constructed by LPL. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL, LPL is not an affiliates of such advisor. LPL investment advisors are registered with the U.S. Securities and Exchange Commission, and LPL is also a Member 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 non-diversified portfolio. Diversification does not protect against market risk. References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.

The LPL Financial representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

First National Bank of Pandora provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit for more information.

An investment in Exchange Traded Funds (EFT), structured as a mutual fund and unit investment trust, involves the risk of losing money and should be considered as a 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.

LPL Financial Form CRS





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