Everyone’s needs are different. Our approach to client service is simple: we put your needs at the center of everything we do. Because we view the many facets of your financial life as interconnected, we analyze them as a whole to help achieve your goals.
These areas include, but are not limited to:
You have dedicated your life to building and growing your business. Because of your commitment, it has become the cornerstone of your financial picture, representing not only your hard work and dedication but also your legacy and retirement plan. Whether you plan to grow it for years to come or you are wondering what your options are for transition, it’s crucial to have a solid strategy in place. We can help you plan for what’s next with a range of services for business owners, including:
- Financing
- Recapitalization
- Pre-sale Planning
- Ownership Transition and Liquidity Alternatives
- Exit Options Analysis
- M&A Services
- ESOP Services
- Family business succession and governance
- Business contingency planning
- Buy-sell Planning
- Coordination of Personal planning, wealth transfer, and business transition planning
- Executive Compensation Considerations
- Corporate Retirement Plans (401(k), Profit share, Simple IRA, Defined benefit plans)
Before developing an effective investment strategy, we understand your risk tolerance, tax bracket, and goals. We focus on diversification designed to hedge against extreme economic cycles and to help reduce your portfolio risk while enhancing your return on investments.
After we define your objectives, we develop a diversified portfolio, that may consist of bonds, Exchange Traded Funds (ETFs), mutual funds, stocks, or other investment vehicles. We provide a high-level view of your portfolio and recommend how to tailor it to better meet your goals.
Strategies:
- Customized Portfolios & Discretionary Portfolio Management (PIM Program)
- Asset Allocation & Rebalancing
- Tax-Efficient Asset Location
- Investment Performance Reporting
- Access to Alternative Investments & Structured Notes
The PIM® program is not designed for excessively traded or inactive accounts and is not appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.
Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.
Alternative investments carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. Available to pre-qualified investors only.
How will you replace your salary when you retire? You have spent your lifetime earning, saving, and accumulating your wealth. We can assist you in replacing your paycheck and creating a steady stream of tax-efficient income in retirement. We’re well-versed in the intricacies and nuances of pensions and social security, so we can help you create a game plan to maximize your benefits and turn your accumulated assets into retirement income, while minimizing your tax liability.
Strategies:
- Retirement Income Planning
- Social Security Maximization Analysis
- Pension Analysis
- Tax-Efficient Distribution Strategies
While no one wants to go through scenarios like an untimely illness or accident, a natural disaster, or a lawsuit, there are plenty of risks that can turn your financial situation on its head. Our team carefully reviews your foundation and discusses any gaps we discover that may threaten the integrity of your overall plan.
Further, our team will explore solutions and alternatives with you to help reduce or eliminate their potential impact on your plan. With access to a wide array of insurance products, we help you determine what type of coverage is appropriate for your circumstances, including life, long-term care, and disability options.
Strategies:
- “What If?” Stress Testing & Bear Market Strategy Review
- Life Insurance Needs Analysis
- Long-Term Care Analysis
- Disability Analysis
Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
Preserving assets and transferring an estate to family and heirs can be complicated and confusing. Our team tackles your estate planning issues to help ensure that your wishes are appropriately carried out when the time comes. We’ll also help plan for other end of life concerns, such as planning for incapacity, helping you understand the various ways to title your assets, and selecting the right executor/trustee(s) to help oversee your plans. Whether we work with your existing estate planning team or recommend qualified professionals from our extensive network, we work with other professionals to help create a plan that will efficiently pass your assets to the people and organizations you want.
Strategies:
- Beneficiary Review
- Estate Analysis & Planning
- Trust Review – Wealth Strategist*
- Charitable Planning & Gifting Strategies
- Business Succession Planning
* Wells Fargo Advisors does not provide legal or tax advice.
You have dreams and each dream is associated with a price tag. No matter if your goals are one year, five years, or twenty-five years away, we’ll help you determine what opportunities exist, help you consider the financial implications and trade-offs of competing scenarios, and guide you on the steps necessary to achieve them.
Includes:
- Financial Goals Assessment
- Scenario Stress Testing & Comparisons
- Net Worth Statement and Tracking
- Cash Flow Analysis
We believe that it is not what you earn, but what you keep that matters. We also recognize that every financial decision typically has a tax implication that needs to be considered. Whether it is in how we invest, how you create and receive your income in retirement, or how you gift and transfer wealth to your heirs, we offer strategies with the intention of minimizing your lifetime tax liability.
Includes:
- Tax Gain/Loss Capture
- Tax-Efficient Distribution Strategies
- Roth Conversion Strategy
- IRA/Roth Funding Strategy
- Charitable Gifting Strategies
- Estate Tax Minimization
- Tax Document Prep and Review
Wells Fargo Advisors does not provide tax or legal advice.
Whether your goal is to increase liquidity, improve tax efficiency, or make a dream purchase, our Team can help.
Through our Wells Fargo affiliates, you have access to lending products, including:
- Securities-based financing
- Residential mortgages
- Home equity financing
- Business financing
- Airplane Financing
- Credit cards
Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.
Securities-based lending has special risks and is not appropriate for everyone. If the market value of a client’s pledged securities declines below required levels, the client may be required to pay down the line of credit or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of the client’s securities. Wells Fargo Advisors, on behalf of Wells Fargo Bank, N.A., will attempt to notify clients of maintenance calls but is not required to do so. Clients are not entitled to choose which securities in their accounts are sold. The sale of their securities may cause clients to suffer adverse tax consequences. Clients should discuss the tax implications of pledging securities as collateral with their tax advisors. An increase in interest rates will affect the overall cost of borrowing. All securities and accounts are subject to eligibility requirements. Clients should read all Wells Fargo Bank Priority Credit Line documents carefully. The proceeds from the Wells Fargo Bank Priority Credit Line may not be used to purchase or carry margin stock or pay down a margin account debit. Margin stock is defined in Regulation U and includes, principally: (1) stocks that are registered on a national securities exchange or any over-the-counter security designated for trading in the National Market System; (2) debt securities (bonds) that are convertible into a margin stock; and (3) shares of most mutual funds. Securities held in a retirement account cannot be used as collateral to obtain a securities-based loan. Securities in a Wells Fargo Bank Priority Credit Line collateral account must meet collateral eligibility requirements.
You have dedicated your life to building and growing your business. Because of your commitment, it has become the cornerstone of your financial picture, representing not only your hard work and dedication but also your legacy and retirement plan. Whether you plan to grow it for years to come or you are wondering what your options are for transition, it’s crucial to have a solid strategy in place. We can help you plan for what’s next with a range of services for business owners, including:
- Financing
- Recapitalization
- Pre-sale Planning
- Ownership Transition and Liquidity Alternatives
- Exit Options Analysis
- M&A Services
- ESOP Services
- Family business succession and governance
- Business contingency planning
- Buy-sell Planning
- Coordination of Personal planning, wealth transfer, and business transition planning
- Executive Compensation Considerations
- Corporate Retirement Plans (401(k), Profit share, Simple IRA, Defined benefit plans)
Before developing an effective investment strategy, we understand your risk tolerance, tax bracket, and goals. We focus on diversification designed to hedge against extreme economic cycles and to help reduce your portfolio risk while enhancing your return on investments.
After we define your objectives, we develop a diversified portfolio, that may consist of bonds, Exchange Traded Funds (ETFs), mutual funds, stocks, or other investment vehicles. We provide a high-level view of your portfolio and recommend how to tailor it to better meet your goals.
Strategies:
- Customized Portfolios & Discretionary Portfolio Management (PIM Program)
- Asset Allocation & Rebalancing
- Tax-Efficient Asset Location
- Investment Performance Reporting
- Access to Alternative Investments & Structured Notes
The PIM® program is not designed for excessively traded or inactive accounts and is not appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.
Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.
Alternative investments carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. Available to pre-qualified investors only.
How will you replace your salary when you retire? You have spent your lifetime earning, saving, and accumulating your wealth. We can assist you in replacing your paycheck and creating a steady stream of tax-efficient income in retirement. We’re well-versed in the intricacies and nuances of pensions and social security, so we can help you create a game plan to maximize your benefits and turn your accumulated assets into retirement income, while minimizing your tax liability.
Strategies:
- Retirement Income Planning
- Social Security Maximization Analysis
- Pension Analysis
- Tax-Efficient Distribution Strategies
While no one wants to go through scenarios like an untimely illness or accident, a natural disaster, or a lawsuit, there are plenty of risks that can turn your financial situation on its head. Our team carefully reviews your foundation and discusses any gaps we discover that may threaten the integrity of your overall plan.
Further, our team will explore solutions and alternatives with you to help reduce or eliminate their potential impact on your plan. With access to a wide array of insurance products, we help you determine what type of coverage is appropriate for your circumstances, including life, long-term care, and disability options.
Strategies:
- “What If?” Stress Testing & Bear Market Strategy Review
- Life Insurance Needs Analysis
- Long-Term Care Analysis
- Disability Analysis
Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
Preserving assets and transferring an estate to family and heirs can be complicated and confusing. Our team tackles your estate planning issues to help ensure that your wishes are appropriately carried out when the time comes. We’ll also help plan for other end of life concerns, such as planning for incapacity, helping you understand the various ways to title your assets, and selecting the right executor/trustee(s) to help oversee your plans. Whether we work with your existing estate planning team or recommend qualified professionals from our extensive network, we work with other professionals to help create a plan that will efficiently pass your assets to the people and organizations you want.
Strategies:
- Beneficiary Review
- Estate Analysis & Planning
- Trust Review – Wealth Strategist*
- Charitable Planning & Gifting Strategies
- Business Succession Planning
* Wells Fargo Advisors does not provide legal or tax advice.
You have dreams and each dream is associated with a price tag. No matter if your goals are one year, five years, or twenty-five years away, we’ll help you determine what opportunities exist, help you consider the financial implications and trade-offs of competing scenarios, and guide you on the steps necessary to achieve them.
Includes:
- Financial Goals Assessment
- Scenario Stress Testing & Comparisons
- Net Worth Statement and Tracking
- Cash Flow Analysis
We believe that it is not what you earn, but what you keep that matters. We also recognize that every financial decision typically has a tax implication that needs to be considered. Whether it is in how we invest, how you create and receive your income in retirement, or how you gift and transfer wealth to your heirs, we offer strategies with the intention of minimizing your lifetime tax liability.
Includes:
- Tax Gain/Loss Capture
- Tax-Efficient Distribution Strategies
- Roth Conversion Strategy
- IRA/Roth Funding Strategy
- Charitable Gifting Strategies
- Estate Tax Minimization
- Tax Document Prep and Review
Wells Fargo Advisors does not provide tax or legal advice.
Whether your goal is to increase liquidity, improve tax efficiency, or make a dream purchase, our Team can help.
Through our Wells Fargo affiliates, you have access to lending products, including:
- Securities-based financing
- Residential mortgages
- Home equity financing
- Business financing
- Airplane Financing
- Credit cards
Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.
Securities-based lending has special risks and is not appropriate for everyone. If the market value of a client’s pledged securities declines below required levels, the client may be required to pay down the line of credit or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of the client’s securities. Wells Fargo Advisors, on behalf of Wells Fargo Bank, N.A., will attempt to notify clients of maintenance calls but is not required to do so. Clients are not entitled to choose which securities in their accounts are sold. The sale of their securities may cause clients to suffer adverse tax consequences. Clients should discuss the tax implications of pledging securities as collateral with their tax advisors. An increase in interest rates will affect the overall cost of borrowing. All securities and accounts are subject to eligibility requirements. Clients should read all Wells Fargo Bank Priority Credit Line documents carefully. The proceeds from the Wells Fargo Bank Priority Credit Line may not be used to purchase or carry margin stock or pay down a margin account debit. Margin stock is defined in Regulation U and includes, principally: (1) stocks that are registered on a national securities exchange or any over-the-counter security designated for trading in the National Market System; (2) debt securities (bonds) that are convertible into a margin stock; and (3) shares of most mutual funds. Securities held in a retirement account cannot be used as collateral to obtain a securities-based loan. Securities in a Wells Fargo Bank Priority Credit Line collateral account must meet collateral eligibility requirements.