Comprehensive Financial Management Services

Explore the tabs below to learn about the variety of comprehensive services that we offer to our clients

A personalized approach

With a keen attention to personal service, we build comprehensive wealth management plans that fully encapsulate our client’s retirement, business, and legacy goals. Through our goal-oriented approach, an individualized plan is created to most efficiently and effectively achieve your objectives. 

Types of planning

  • Asset allocation strategies
  • Discretionary asset management services
  • Tax efficient investments & tax planning strategies
  • Concentrated risk mitigation strategies
  • Custom lending strategies
  • Business valuation, cash management, and succession planning
  • Retirement income planning
  • Legacy planning
  • Charitable planning

Customized products and services for business owners

We are committed to helping you maximize the success and profitability of your business. Our specialized products and services can help give your business the cash flow and support it needs to thrive.

Advisory services for businesses

We help business owners make informed decisions by providing industry insights and planning. A list of our services within this capacity includes:
  • Cash flow analysis
  • Business cash management strategies
  • Tax mitigation strategies
  • Custom business lending strategies
  • Executive benefit analysis
  • Business retirement plan analysis
  • Business planning
    • Business valuation
    • Business succession planning
    • Keep/sell considerations
    • Pre-sale planning
    • Buy-sell planning
  • Transaction considerations
  • Market trends and economic outlook

Next steps

Make an appointment with us to talk about your business needs and we will work diligently with you to devise strategies utilizing a full balance sheet approach.

Estate planning strategies

Estate planning strategies are an important component to an all-inclusive investment plan. Having a comprehensive plan will help ensure your assets move seamlessly to your heirs and/or charitable causes appropriately. Also, an estate plan can take care of you as you get older or if you become ill or incapacitated. We help our clients protect their assets by working with them to create an estate investment plan that fully encapsulates their needs and goals.

Five essential documents 

These five documents are often essential to an estate plan: 
  • Will – A will provides instructions for distributing your assets when you die. You will name a personal representative (executor) to pay final expenses and taxes and distribute remaining assets. Name a guardian to raise your minor children if both parents die.
  • Durable power of attorney – With this document, you give a trusted individual management power over your assets if you can’t manage them yourself. This document is effective only while you’re alive.
  • Health care power of attorney – This type of POA allows you to choose someone to make medical decisions on your behalf if something were to happen and you can’t make them yourself.
  • Living will – A living will shares your intentions about life-sustaining medical measures if you are terminally ill. No one is given authority to speak for you.
  • Revocable living trust – With this type of trust, you can provide for continued management of your financial matters while you are alive, after your death, and even for generations after. 

The importance of beneficiary designations

Beneficiary designations can be an easy way to transfer an account or insurance policy when you die. But if you didn’t complete beneficiary designations, or haven’t updated them, they can cause issues with your estate plan. Beneficiary designations on forms like your insurance policy and 401(k) take priority over other estate planning documents, like your will or trust. Our team can help ensure your beneficiary designations are not only up to date but also aligned with your other estate planning documents.

Turn to a team of professionals 

Making the decisions involved with estate planning may seem overwhelming, but it doesn’t have to be. We work with your trusted professionals, including your estate planning attorney and accountant, to develop a comprehensive plan with your tax mitigation, legacy, and charitable goals in mind. If you currently don’t have relationships with an attorney and an accountant, we can make some recommendations.

Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do no provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state

Dealing with the other side of the balance sheet

As we examine our client’s assets and liabilities, our team can partner with Wells Fargo affiliates to help address your banking and lending services.

Strategic lending products and services available to our clients through affiliates:
  • Securities-based financing
  • Residential mortgages
  • Home equity financing
  • Business 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), Member FDIC, 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.

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It starts with a plan

Creating a plan can help you stay focused, plan for challenges ahead, and make choices that work for you. Our Envision planning process is the foundation we use to develop your retirement plan. Combining the tools from Envision with our team’s expertise, we can help you make choices that tackle the following topics:
  • Retirement income strategies with Envision® (click the button below to learn more)
  • Retirement timing considerations
  • Retirement income sustainability planning
    • Income source and withdrawal strategies
    • Social Security strategies
    • Inherited asset income strategies
  • Health care cost analysis and long-term care income planning
  • 401K, SEP, Roth, and Traditional IRA planning
  • Tax mitigation strategies
  • Legacy planning
  • Estate investment planning
  • Executive benefit analysis

Have an ongoing process

Planning for retirement is not a “one and done” kind of activity. A good plan should be checked regularly and adjusted, as necessary, as circumstances in your life and goals change. We will review your portfolio, talk about your expectations, and help you prepare for the unexpected through ongoing checkups to review your plans, current circumstances, and portfolio.

Alternative Thinking

Alternative investments allow qualified investors to further diversify their portfolios beyond traditional investment options such as equities, fixed income, and cash. These investments include Hedge Funds, Private Equity, Private Debt, and Private Real Estate. Alternative Investments may potentially deliver improved risk-adjusted returns, less-extreme market cycle peaks and troughs, and investment opportunities in less efficient markets.  Additionally, they can assist with tax mitigation strategies and historically have lower correlations to the overall market than more traditional investments.

Exploring Alternative Strategies

Through comprehensive planning, we help our qualified clients determine if alternative strategies can assist with achieving their individual goals more efficiently and effectively. Our alternative strategies include:
  • Opportunity Zone Funds
  • 1031 Exchange Programs
  • Direct Index Investments
  • Private Placements
  • Hedge Funds
  • Funds of Hedge Funds
  • Interval Funds
  • Private Capital Investments
    • Venture Capital
    • Replacement Capital
    • Special Situations
    • Leverage Buyouts
  • Non-traded Public and Private REITs
  • Alternative Mutual Funds

Alternative investments are not appropriate for all investors. They are speculative and involve a high degree of risk that is appropriate only for 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.
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Complimentary Portfolio Review

By clicking the button below, you can setup a meeting with one of our financial advisors where they will review your portfolio at no cost to you

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Learn more about one of the detailed tools we use to build and track your customized investment plan