PlanMyPortfolio Digital Financial Advice

Investing doesn’t always need to be complicated. And it doesn’t always mean you have to work with a full-service wealth management advisor. Sometimes, you just want to do it yourself. We get that.

PlanMyPortfolio is a low-cost, online investment management tool available through CFS* that can help simplify investing. This is perfect for those who want a hands-off yet actively managed investment plan.

How it Works

  1. Tell us about yourself
    Answer a few questions about yourself and what you’re looking to achieve so we can create a portfolio for you. You can also import information about your other investments for a complimentary portfolio analysis.

  2. Invest in a portfolio
    Open and fund your account to invest in a personalized portfolio based on your risk tolerance and financial goals. Your account is periodically evaluated and re-balanced to be consistent with the model portfolio you’re invested in without incurring any transaction charges.

  3. Monitor your progress
    The easy-to-use dashboard allows you to see your portfolio details, balances and holdings conveniently so you can monitor your portfolio regularly to ensure it stays on track.

Get Started

What Does PlanMyPortfolio Cost?

  • No transaction fees
  • No commission fees
  • One simple annual advisory fee of 0.50% of the value of your portfolio (plus the fees and expenses for the funds in your portfolio)

You receive account monitoring, automated rebalancing and access to financial advisors if you need a little guidance.

What are the differences between a full-service Wealth Management Advisor and PlanMyPortfolio?

Full-Service CFS* Wealth Management Advisor

  • Holistic wealth management
  • In-depth, goals-based financial planning
  • Tailored advice for major life events
  • High-touch, local customized support
  • Periodic financial planning and performance reviews in person
  • Access to a variety of investment and product options
  • Comprehensive reporting
  • Online and mobile access to your account(s)

PlanMyPortfolio Digital Advice Platform

  • Low annual management fee and account minimum
  • Rapid enrollment process
  • Automated asset allocation
  • Periodic rebalancing to be consistent with model portfolios
  • Five risk-based ETF portfolios
  • Basic reporting
  • Online and mobile access to your account

Looking for something more customized? A full-service CFS* Wealth Management Advisor can help.

Whether you’re planning to fund a college education or your retirement, or just want a general investment strategy for the future, our CFS* Wealth Management Advisors can provide you with financial planning, advice and investments to help you reach your goals.

Learn More

Frequently Asked Questions

Have questions? Check out the FAQs provided by PlanMyPortfolio.

PlanMyPortfolio (PMP) Basics

Who should I contact if I have questions?

What is a PlanMyPortfolio account?

What are the benefits of a PlanMyPortfolio account?

Who is Jemstep?

Your Investments

Who is Invesco?

What are ETFs?

What are some differences between a mutual fund and an ETF?

What are the models that PMP offers and how do they differ from each other?

How PlanMyPortfolio Works

What’s the investment minimum?

Where are the assets held?

How do I make additional contributions to my portfolio after signing up?

How much does PlanMyPortfolio cost?

How often will transactions and rebalances occur for my account?

Can my portfolio lose value?

Opening and Closing Your Account

Can I have multiple accounts under one email address?

How can investors fund their PMP account?

Who is eligible to open a PMP account?

What types of accounts are supported?

Will I receive statements and tax forms for my PlanMyPortfolio account?

How do I withdraw funds from my account?

How do I close my account?

How do I deactivate my log in?


*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. (Elevations Credit Union OR “The credit union”) has contracted with CFS to make non-deposit investment products and services available to credit union members.

i Volatility is a statistical measure of the dispersion of returns for a given security or market index. Volatility measured by using the standard deviation between returns from that same security or market index. Commonly, the higher the standard deviation or volatility of the portfolio, the riskier the overall vehicle is. Read more: Volatility.

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