Portfolios

When you create a plan, Goodstead asks the questions that matter most for allocation: how much risk you can take, what you need the money for, and when you need it.

Based on your answers, we recommend a diversified portfolio that balances safer and riskier holdings. You can review the allocation, compare options when available, and confirm the portfolio that fits you best.

You can later change portfolios from the plan page if your goals or risk preference change. When you change portfolios, Goodstead rebalances your holdings toward the new strategy.

Each Goodstead portfolio targets a mix of asset classes based on the strategy you selected.

As markets move—or when you deposit, withdraw, or change portfolios—that mix can drift. Goodstead is responsible for rebalancing, not Interactive Brokers. We review accounts and adjust holdings when needed to help keep your portfolio aligned with its target allocation.

Interactive Brokers provides the brokerage account and executes trades we place. Timing depends on market conditions, available cash, and brokerage settlement.

Interactive Brokers is a member of SIPC. SIPC protection is designed to help customers if a brokerage firm fails. It does not protect against investment losses when markets decline.

Brokerage cash and securities are not FDIC-insured. FDIC insurance applies to deposits at banks under separate rules and limits.

Investing involves risk, including the possible loss of principal. Diversified portfolios can help manage risk, but they cannot eliminate it.