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Robo Advisor Program

Investing made simple: let Robo Advisor1 choose your investments and build a customized portfolio.

Easy Setup

Low-cost management fees

Transfer or Rollover

401(k), IRA, and brokerage account

Let our Robo Advisor help you on your financial wellness journey

Powered by Schwab’s Institutional Intelligent Portfolios Platform®1, our Robo Advisor Program takes the guesswork out of investing because it automatically invests for you. By choosing from 51 low-cost exchange-traded funds (ETFs) selected by professionals, the Robo Advisor will automatically build a diversified portfolio based on your needs and help keep you on the path of financial wellbeing. Whether you’re just starting out, need to catch up for retirement, or saving for a child’s education, it’s never too late to start investing towards your future.

Our Robo Advisor Program offers these convenient features2:

  • Quick and easy account set-up
  • Invest with as little as $5,000
  • Easily transfer and rollover your IRA and 401(k)
  • Automatically creates a customized portfolio to align with your investment goals
  • Competitive, low-cost management fees
  • View balance via Patelco Online™
  • Technical support available
  • Takes the guesswork and intimidation factor out of investing

We’ve got your back every step of the way

Patelco supports you through every stage of your financial journey, and we’ve made it easier than ever to get started with investing. As a Patelco member, when you sign up for our Robo Advisor Program2, we deliver some amazing perks to you:

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

Adding to your investment is a breeze! 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. Not sure if Robo Advisor is right for you? Have investment questions? Need a complimentary investment consultation with one of our CFS Financial Advisors3? We’ve made it easy to get in touch with our team:

We‘re invested in your future

Our Robo Advisor Program leverages Schwab’s Institutional Intelligent Portfolios® 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. Once your Robo Advisor account is established, your monthly statements and account servicing will be provided by Schwab. 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

It’s easy to get started with Patelco’s Robo Advisor Program:

  • 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)
  • Set up your ACH payment information with Schwab. Your Robo Advisor account will fund 2-3 business days

If you’re looking for a smart, efficient way to set up and manage a portfolio – for retirement, education, a house, or more – Patelco’s Robo Advisor Program is here to help you get there.

Get Started

Are you retirement ready?

The path to retirement requires careful navigation and planning. Are you ready? Take ownership of your future now to make your golden years shine!

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, but I always have to remind clients that at age 65, you could be 20 or 30 years away from your long-term goals.
    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.
    A good financial advisor can help you invest, accumulate, consolidate and eventually plan for the distribution of your retirement assets to you.

Got questions?

    A robo advisor uses algorithms to choose your investments for you, then closely monitors, adjusts, and rebalances your investments automatically. Since robo advisors use fewer humans than brokerage firms, they generally have lower fees, require a smaller minimum initial investment, and they choose from a more limited selection of investment options.
    A financial advisor consults with you about your goals, creates a customized investment plan, then actively manages your investments for you. A financial advisor has access to more investment options compared to a robo advisor, and they often offer guidance around estate planning, taxes5, and insurance. Working with a financial advisor generally requires reserves and a higher minimum investment

    The minimum investment for our Robo Advisor Program is $5,000.

    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, yet wants to build wealth for the future.

    Our Robo Advisor leverages Schwab Institutional Intelligent Portfolios® 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 or email Schwab support at digitalsupport@cusonet.com.

    If you have questions about how Robo Advisor works, or you’re curious if Robo Advisor is the right investment choice for you:

    For servicing and Robo Advisor account questions, please contact Schwab at 877.805.3399 or email Schwab support at digitalsupport@cusonet.com.

    Transferring money into your Robo Advisor account is easy. Simply login to your Robo Advisor account at Schwab, then schedule a funds transfer from your Patelco savings or checking account directly into your Robo Advisor account.

    Generally, brokerage accounts allow you to select your own stocks and securities, and there’s a chance your portfolio may become imbalanced, which can expose you to larger losses.
    A robo advisor will diversify your portfolio through ETFs and indexed funds, so that in case you do have a loss, it’s not significant. Thanks to rebalancing and tax-loss harvesting, you’ll also drop investments that aren‘t doing well.

    Your monthly statements will be sent directly from Schwab.

1 These materials have been independently produced by Patelco Financial Solutions, available through CFS, which is independent of, and has no affiliation with, Schwab Performance Technologies® ("SPT"), Charles Schwab & Co., Inc. ("CS&Co"), or any of their affiliates (together, "Schwab"). Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials, nor has Schwab independently verified any of the information in them. Institutional Intelligent Portfolios® is an automated investment management service for independent advisors and available exclusively through independent investment advisory firms like Patelco Financial Solutions, not Schwab, is responsible for advising you on its program, including recommending and selecting a portfolio appropriate for you and managing your portfolio on a discretionary basis. Your portfolio will be held in a brokerage account at CS&Co. "Institutional Intelligent Portfolios" is a trademark of Charles Schwab & Co., Inc.

2 To get started or learn more, visit our Robo Advisor Program. Your portfolio will be held in a brokerage account at Charles Schwab & 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, 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. 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 Schwab Performance Technologies®. 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 CFS does not provide tax or legal advice. For such guidance, please consult a tax and/or legal advisor.

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