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COMPREHENSIVE INVESTMENT PLANNING

Financial Advisor meeting with clients

Retirement

Retirement is not one size fits all – it is constantly changing and evolving.  Pre-retirement is an opportunity to design your ideal future.  Your next chapter deserves a well thought out plan to help you achieve the retirement you have dreamed of. 

How We Can Help:

During pre-retirement we can assist in preparing cash flow models to ensure that you are accumulating enough wealth as you work towards retirement.

If you are retired, we can advise on distribution plans, pension disbursements, stock options, and Restricted Stock Units (RSUs) – let us do the work while you take on your next chapter.

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Estate Planning Strategies and Wealth Preservation

Effective estate planning starts with a deep understanding of where you are now and where you are headed. Mapping that journey with you — and helping you navigate it — is what we do best.

How We Can Help:

We will take the time to learn about your unique financial goals and assist with creating a strategy that will support you throughout life. 

We will work with your attorney and CPA to help preserve your wealth and minimize taxes that your estate may owe.1

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Strategic Philanthropy

Every individual has their own reason for giving.  But all donors have one thing in mind – making their donations count.  You deserve a meaningful giving plan that is engaging and rewarding.

How We Can Help:

We can create a successful giving plan that supports and complements a family’s overall asset and tax strategies, but one that is inspired by your core values and passions.  We utilize qualified charitable distributions and Donor Advised Funds to create a values-based philanthropy plan.2

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Minimizing Taxes

Tax tables change – tax provisions expire. Income tax, estate tax, gift tax, generation skipping transfer tax – the list goes on.  You need a plan that will maximize savings while reducing your tax burden.

How We Can Help:

We can create an approach that will reduce your tax liability.  We utilize multiple strategies such as: Roth Conversions, Tax Loss Harvesting, Gifting, and tax-efficient portfolio structure; to ensure that your investments are working for you.

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Financing Your Goals

You worked hard to get where you are in life.  You want your money to work hard for you as well.  Whether you are preparing to purchase your first home, planning to fund your children’s educations, or taking a step toward retirement you need someone to help you create a path toward reaching each and every goal you have in mind.

How We Can Help:

We start by getting to know you – your goals and aspirations.  Then we work with you to create a plan that is capable of evolving with your life.  The possibilities are endless, and we can help you get there.  That’s what we do every day.

1Wells Fargo Advisors does not provide legal or tax advice. You should consult with your attorney, accountant and/or estate planner before taking any action. Trust Services are available through Wells Fargo Bank, N.A. Member FDIC and Wells Fargo Delaware Trust Company, N.A. All investing involves some degree of risk, whether it is associated with market volatility, purchasing power or a specific security. There is no assurance any investment strategy will be successful. Asset allocation does not guarentee a profit nor does diversification protect against loss.
2Donations are irrevocable charitable gifts.  The sponsoring organizations maintaining the fund have ultimate control over how the assets in the fund accounts are invested and distributed.  Donor Advised Funds donors do not receive investment returns.  The amount ultimately available to the Donor to make grant recommendations may be more or less than the Donor contributions to the Donor Advised Fund.  While annual giving is encouraged, Donor Advised Funds should be viewed as a long-term philanthropic program.  Tax benefits depend upon your individual circumstances.  You should consult your Tax Advisor.  While the operations of the Donor Advised Fund and Pooled Income Funds are regulated by the Internal Revenue Service, they are not guaranteed or insured by the United States or any of its agencies or instrumentalities.  Contributions are not insured by the FDIC and are not deposits or other obligation of, or guaranteed by, any depository institution.  Donor Advised Funds are not registered under federal securities laws, pursuant to exemptions for charitable organizations.