Digital Wealth Management

BCU Wealth Advisors charges an advisory fee of 0.45% annually. This is in addition to underlying fund expenses, detailed here.

You may open individual or joint taxable accounts, and Traditional or Roth IRAs.

We offer 6 model portfolios managed by State Street Global Advisors. These portfolios invest in low-cost, exchange-traded funds (ETF) selected to provide diversified exposure to both equity and fixed income markets.

The minimum starting investment is $5,000.

The model portfolios are constructed to provide varying levels of exposure to equity and fixed income markets, based on your individual risk tolerance and investment time horizon:

Conservative (20% Equity, 80% Fixed Income)

Moderate- Conservative (40% Equity, 60% Fixed Income)

Moderate (60% Equity, 40% Fixed Income)

Moderate- Growth (75% Equity, 25% Fixed Income)

Growth (90% Equity, 10% Fixed Income)

Maximum Growth (100% Equity)

You can open your new account by clicking here or the "Let's Get Started" link and completing a brief questionnaire regarding your investment goals and experience. An investment model will then be recommended based on your answers to these questions.

When you create your account, you will have the opportunity to set up a one-time or recurring transfer from your bank account. At this time, we cannot accept direct deposit from your paycheck.

You can transfer assets from other brokerage accounts of the same type (e.g., IRA, joint account, etc.). Keep in mind, however, that these assets will be sold and reallocated to the investment model you select when you open your BCU Wealth Advisors account. We recommend that you speak with your tax advisor to discuss any tax consequences that may arise from this activity.

There are several options to deposit checks to your existing account. All checks should be payable to TD Ameritrade, FBO [Your Name] and reference your account number.

If your check is less than $10,000 you can deposit it electronically using your smartphone, with the AdvisorClient Check Deposit feature.

The overnight address for checks is:

TD Ameritrade Institutional
7801 Mesquite Bend Drive
Suite 112
Irving, TX 75063-6043

For USPS:
TD Ameritrade Institutional
PO Box 650567
Dallas, TX 75265-0567
Please note: Cash, traveler’s cheques, money orders, starter checks, and third-party checks cannot be accepted for deposit.

While the Digital Wealth Management Program is designed to provide you with all the tools you need to manage your investments, you will have access to a financial advisor who can assist you with any questions or issues.

It's easy to start achieving your financial goals. Contact us online or call 847-932-8007 and ask for Shobhana Subramaniyan.

Investment products and advisory services offered through BCU Wealth Advisors:

Are not NCUA/NCUSIF Insured or otherwise federally insured

Are not guarantees of obligations of the Credit Union

May lose value

You may contact ZTB Wealth Advisors, wasupport@bcu.org or 847-932-8007 for assistance.