As an investor with a significant portion of wealth in one type of stock, you may find yourself wanting to increase your cash flow or reduce your portfolio’s risk by diversifying your investments.

We can help you manage a large position of publicly traded stock in your portfolio by determining which of these solutions is appropriate for your circumstances. This requires an in-depth evaluation of the stock you own, any restrictions you may be subject to, your financial position, and your objectives. We can help you work toward your goals by evaluating your situation and providing a range of strategies for you to consider.

We believe tax-efficient allocations offer a consistent process to managing investment accounts, particularly for multi-generational, high-net-worth, and ultra-high-net-worth investors. We offer two versions of portfolio allocations: one which assumes only liquid asset classes will be used, while the other allows for the inclusion of less liquid asset classes such as Private Real Estate and Private Equity.

Because investor needs and portfolio constraints vary, manager selection and asset allocation decisions are most effective when they are made as a part of a collaborative dialogue between investors and their advisors. By maintaining a persistent focus on risk management, taxes, and fees, we believe these allocations will improve investment outcomes for highly taxed investors.

If you’re changing jobs or retiring, you’ll need to decide what to do with assets in your 401(k) or other qualified employer-sponsored retirement plan (QRP). These savings can represent a significant portion of your retirement income, so it’s important you carefully evaluate your options.

Whether you want to roll your assets into an Individual Retirement Account (IRA), leave your funds in your former employer’s retirement plan, move your savings, or withdraw your savings, we can help educate you, so you can decide which option makes the most sense for your specific situation.

Planning for retirement is not a “one and done” kind of activity. A good plan should be checked regularly and adjusted, as necessary. Schedule an annual checkup with us to review your plans, your current circumstances, and your portfolio. We’ll work together to discuss your choices and what works for you.


_{Wells Fargo Advisors does not provide tax or legal advice. Please consult with your tax and legal advisors to determine how this information may impact your own situation.}

_{When considering rolling over assets from an employer plan to an IRA, factors that should be considered and compared between the employer plan and the IRA include fees and expenses, services offered, investment options, when penalty free distributions are available, treatment of employer stock, when required minimum distributions begin, protection of assets from creditors, and bankruptcy. Investing and maintaining assets in an IRA will generally involve higher costs than those associated with employer-sponsored retirement plans. You should consult with the plan administrator and a professional tax advisor before making any decisions regarding your retirement assets. Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 1/2.}

A lot may be riding on your investments, such as retirement, children’s or grandchildren’s education, or your financial legacy. You can save time and have a professional manage your investments when you use our advisory services.

We can collaborate with you as much or as little as you want, providing you with objective advice and guidance based on your needs, goals, and today’s investment environment to help you make your own buying, selling, and holding decisions. Our team is transparent with you, discussing programs with you to see what fits your situation and what makes you feel more confident in helping you reach your goals.


_{Advisory accounts are not designed for excessively traded or inactive accounts and are not appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services, including fees and expenses. The minimum account size for these programs is between $10,000 and $2,000,000.}

You can’t avoid all risks in life. Insurance can play a key role in helping preserve your assets, helping achieve your financial goals, and can help protect against life-changing events.

We offer life, disability, and long-term care insurance to help protect what matters most to you.  Each type of coverage can help protect the key areas of your financial life: family, business, retirement, and legacy. 

When it comes to the amount of coverage needed to help protect your financial goals, the “right” answer is unique to you. Factors such as your age, who depends on you, and your income and assets, should be carefully reviewed. 


_{Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.}

Saving for your child’s or grandchild’s education doesn’t have to derail your retirement savings plan. Many families use some combination of savings, investments, borrowing, and financial aid (if available).

There are a variety of college savings options out there, including 529 savings plans, custodial accounts in the child’s name, Coverdell Education Savings Account, educational trust funds designed for your child’s education, and private lending. We can help you come up with a plan that considers all aspects.

When it comes to matters like a will or assigning beneficiary designations, the estate planning process may seem overwhelming. Your team of trusted professionals – including your financial advisor, an estate planning attorney, and your accountant – can guide you to help you avoid potential pitfalls.

If you currently don’t have relationships with an attorney and an accountant, we can make recommendations, discuss our role in the planning process, and discuss how you can get started.


<sub>Trust services are available through Wells Fargo N.A. Member FDIC and Wells Fargo Delaware Trust Company, N.A.

Wells Fargo Advisors and its affiliate do not provide tax or legal advice. Please consult with your tax and/or legal advisors before taking any action that may have tax and/or legal consequences.</sub>  

As a corporate executive, you may face unique investment challenges, such as navigating complex federal securities laws, complying with internal company trading policies, or managing your personal tax liabilities.

Our team can work with your existing network (such as your tax advisor or legal counsel) to help develop, implement, and execute strategies and transactions to better manage your company stock.

With an ever-evolving investment environment, many investors are recognizing the potential benefits alternative investments can offer and are choosing to include them in their diversified portfolios.

We are focused on identifying ways to diversify portfolios and use strategies focused on unlocking value and/or complementing traditional allocation strategies. Alternative mutual funds, hedge funds, and private capital are just some of the examples of solutions that can be employed, depending on your financial situation and desired goals.

_{Alternative investments are not appropriate for all investors and are available only to persons who are “accredited investors” or “qualified purchasers” within the meaning of U.S. securities laws. They are speculative and involve a high degree of risk that is suitable only those investors who have the financial sophistication and expertise to evaluate the merits and risks of an investment in a fund and for which the fund does not represent a complete investment program.}