The Brown-Dwyer Group

Here is an overview of the process we employ with our clients:

Setting your Objectives

Our investment process begins with helping you develop a comprehensive understanding of your present financial resources, liabilities, and objectives, as well as the risk level with which you are comfortable.


Developing Your Asset Allocation

We believe that asset allocation is one of the most effective investment techniques investors can employ. Historical data has shown that the correct asset allocation policy can provide diversification of your portfolio, enhance returns, lower over portfolio volatility and position your portfolio to take advantage of developing investment opportunities. The process centers on specifying the particular asset classes for your portfolio as well as the proportion of the portfolio that each class should comprise. Drawing on analysis and research of the capital markets conducted by the Advisory Service Group, we can assist in determining an asset mix or efficient portfolio that is appropriate for your risk and return objectives.


Selecting an Investment Manager

We access Wells Fargo Advisors comprehensive process to evaluate a broad array of investment management firms for the stewardship of clients’ portfolios. The process is designed to identify qualified investment management talent as well as to reconfirm regularly the qualifications and capabilities of firms currently managing our client’s assets. We actively monitor and reevaluate investment management firms to ensure that they are adhering to their standard management style and maintaining the quality standards for which they were originally selected.


Ongoing Review

The final step of the four-step process is a comprehensive Quarterly Review encompassing your investment objectives, your investment portfolios performance and the investment manager’s progress toward meeting your investment goals.

More often it is the product of hard work and effective planning. However, maintaining a prudent investment process requires discipline and diligence. Simply monitoring and evaluating the thousands of different investment management firms can consume substantial time and resources.


Principles of Professionalism

Here is our commitment to you. We:

  • Put you and your interests first.
  • Seek to understand you, your personal financial needs, goals and values.
  • Help you fully comprehend your investment choices so that you make well-informed decisions based on what’s right for your situation.
  • Ensure that your concerns are our top priority.
  • Are available to spend ample time with you to discuss your portfolio and any financial matter that may affect you.

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (AZ, CA, CT, DC, FL, ID, MA, MD, ME, MO, NC, NE, NH, NJ, NY, PA, TN, VA). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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