August 13, 2026
Understanding Guided Investing in First Commerce’s Digital Banking
The days of needing a stockbroker to purchase shares are over. Most of us now have the ability to invest at our fingertips in the smartphone era.
First Commerce Credit Union gives you the ability to invest directly in your Digital Banking app using a dynamic investment tool supported by InvestiFi. And while these capabilities give you the freedom to invest your money exactly how and where you want to, sometimes you may want a little helpful guidance.
That’s why in the app you’ll find Guided Investing, an automated investment tool that recommends and manages a portfolio based on your risk tolerance, financial goals, and preferences. It uses automated monitoring to rebalance your portfolio on a quarterly basis.
Here are some of the basics about how Guided Investing works, so you can decide if it might be right for you:
How does Guided Investing select a portfolio for me?
Once your risk tolerance is determined, Guided Investing recommends a diversified portfolio designed to align with your goals. The portfolios are built using a mix of low-cost ETFs that span across multiple asset classes, such as equities and bonds, to balance risk and potential returns based on your investor profile.
Can I customize my portfolio?
While Guided Investing recommends an optimized portfolio for you, some customization options may be available, such as choosing socially responsible investments or adjusting your risk tolerance over time. In addition, you may place restrictions on the portfolio by removing particular securities from the portfolio.
Is my money safe with Guided Investing?
Your investments are held with a qualified custodian, RQD* Clearing, LLC, an SEC-registered broker-dealer and member of FINRA/SIPC. However, as with any investment, there is no guarantee of returns, and your portfolio is subject to market risks.
How do I get started with Guided Investing?
To get started, you simply need to answer a few questions about your financial goals and risk tolerance. Once your profile is set up, the system will recommend and manage your portfolio automatically.
Investing doesn’t have to be complicated.
Guided Investing offers a simple way to get started with a portfolio tailored to your goals and comfort level. With automatic monitoring and rebalancing, you can feel confident knowing your investments are working toward your financial future without requiring constant attention.
Need help?
If you’re unsure about your account setup or eligibility, our team is happy to help. Contact us by calling 850-488-0035 or 1-800-533-5772, and we’ll help you find the best path to start investing through Digital Banking.
Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. AdvisiFi is a wholly-owned subsidiary of InvestiFi Inc (“InvestiFi”). Brokerage services are provided by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members of FINRA/SIPC. Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Brokerage and advisory accounts are not held with the financial institution and are held with AdvisiFi, InvestiFi Securities, and RQD, respectively. You may check the background of these firms by visiting FINRA’s BrokerCheck. Cash and securities offered by InvestiFi Securities and held by RQD are (1) not insured by the FDIC, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (2) not guaranteed, (3) not financial institution deposits or obligations, and (4) may lose value.
Digital assets (cryptocurrencies) are made available and held in a digital asset wallet operated by BitGo Bank & Trust, National Association (N.A.) (“BitGo”), not First Commerce Credit Union, InvestiFi, or its affiliates. BitGo is a separate entity from, and not an affiliate of, First Commerce Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of First Commerce Credit Union or BitGo; (3) not guaranteed by First Commerce Credit Union or BitGo; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow member recourse; and (7) by a third party. First Commerce Credit Union may receive compensation from your purchase of digital assets. Digital assets (i.e., cryptocurrencies) held in your digital asset wallet operated by BitGo (i.e. Crypto ) are not insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. Your digital investing does not support wallet-to-wallet transferring of your digital assets (i.e. Cryptocurrencies). You should carefully consider whether buying or holding digital assets is suitable for you, given your financial situation. Digital assets are not obligations of First Commerce Credit Union or BitGo and are not guaranteed by First Commerce Credit Union or BitGo.
Who We Are
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.
