Independent Investing
Simple investing for Elevations members
You don’t need to be a finance expert to invest. Marstone, offered through Elevations, makes investing easy at all levels with:
Low required initial investment
Clear, jargon-free language
Automated portfolio creation tools
Continuous portfolio monitoring by experts
How Marstone simplifies investing:
Personalized options: Answer simple survey questions to create a portfolio aligning with your goals, values and risk tolerance.
Expert financial guidance: Marstone’s team manages your portfolio daily to ensure investments keep matching your preferences.
Accessible investment management: Clear language and visuals make it easy to understand how your portfolio breaks down.
Start your online investment portfolio in three steps.
Add your preferences.
Include your goals, risk tolerance and timeline to create your personalized portfolio.
Fund your account.
Review your recommended portfolio, add a few final details and fund your account with as little as $500.
Track your progress.
Monitor your investments through your account dashboard. The Marstone team will continuously review and adjust too.
HOW TO INVEST
Investment basics
When investing, particularly for long-term goals, there are two basic concepts you will likely hear about over and over again — diversification and asset allocation.
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Elevations members get a free first consultation with a CFS Wealth Management Advisor.
Commonly asked questions
Marstone is a digital investment portfolio creation and management tool. It allows investors of all levels to quickly and easily begin investing. A brief survey helps us create a portfolio matching your investment risk preference, interests, and goals. To inspire confidence, we explain ideas and information with clear language free from financial jargon.
Marstone’s investment advisory fee is 50 basis points (0.50%) per year. This fee is charged monthly based on the account balance at the end of the month. Advisory fees pay for the investment advice, trading and rebalancing, and record-keeping for your account.
Separately, the underlying investments that make up your portfolio charge their own fees, which are deducted directly from the assets of the underlying investment. Marstone does not receive any portion of these fees. More information on fees and billing can be found in our Form ADV 2A and Wrap Fee Brochure.
Many information security measures, including multi-factor authentication, are used to safeguard user accounts.
This service offers unique features, including:
Straightforward pricing model without transaction charges or hidden fees
Low minimum balance
A user experience that makes it easy to recreate your relationship with money
Our platform provides automation all around which means seamless diversification, automated rebalancing, continuous monitoring by our portfolio management team and the ability to aggregate your financial accounts held outside of the platform.
Marstone's investment team combines years of professional investing experience with advancements in academic research to provide clients what we think is the right mix of risk and return based on the risk score we calculate using our proprietary risk-tolerance algorithm.
You can contact the Marstone team at [email protected]. Their support desk hours are 9:00 AM - 5:00 PM EST.
Marstone is a third party independent of Elevations Credit Union.
SOLICITOR'S DISCLOSURE STATEMENT PURSUANT TO RULE 206(4)-1 OF THE INVESTMENT ADVISERS ACT OF 1940
Marstone, LLC ("Adviser") has entered into a solicitor's agreement (the "Agreement'') with Elevations Credit Union ("Solicitor'') whereby Adviser will pay cash compensation to Solicitor for introducing prospective investors who engage Adviser to provide investment services managed, directly or indirectly, by Adviser or its affiliates. Solicitor is not an investment advisory client of Adviser nor an investor in any of Adviser's investment products. Solicitor has a material conflict of interest in introducing prospective investors to Adviser because the compensation paid by Adviser to Solicitor under the Agreement incentivizes Solicitor to recommend that prospective investors invest with Adviser.
Solicitation Fees. Adviser and Solicitor have entered this Agreement which allows Adviser to offer investment advisory and financial planning services to Solicitor clients. In return, Adviser pays the Solicitor a referral fee (the "Referral Fee"). The Referral Fee will be 25% of the fee owed to the Adviser under its client agreement once the assets under management on the Adviser's Platform received from Solicitor reaches $5,000,000. The fee will continue to be paid to the Solicitor as long as the Solicitor client is a client of the Adviser. This fee will be owed regardless of charge backs or claims of refund unrelated to Solicitor error or willful negligence.
No cost will be added to the advisory fees that the client will pay for Adviser's services as a result of the fees paid to the Solicitor, and the client fee is the same as those charged to other clients of Adviser for similar services as further described in the Adviser's Form ADV Part 2A brochure. The parties acknowledge that Adviser and Solicitor are separate and distinct companies.