Retirement PlanningHow will you spend the last third of your life? Will you continue to work in your current job? Start a business? Volunteer your time? Spend more time with family and friends? Travel the world? Many retirees are living longer, healthier, and more active lives, but there are challenges to living the life you imagine. No matter your age, reaching your retirement goals means planning for them now. It is important to compare the costs associated with the lifestyle you imagine to the income you expect from all sources during retirement. Our team has the tools, technology and expertise to address and plan your successful retirement. Start the Conversation > |
Investment PlanningBy planning your investments around life events that hold real meaning for you, our team’s process can connect you to your investment strategy in a refreshing, revealing, and personal way. Life happens and things can change rapidly, our team, coupled with leading technology can keep you apprised of that critical financial question, “How am I doing?” Start the Conversation > |
Asset AllocationAsset allocation is the process of diversifying your assets among different asset classes such as cash or cash alternatives (e.g., money market funds), fixed-income securities (primarily bonds), equities (stocks and stock mutual funds), as well as real assets (real estate) and complementary or alternative strategies (hedge funds). How you divide your assets among these broad categories often affects the fluctuations in your portfolio’s value and overall performance. By allocating assets across several categories, you can potentially reduce risk and increase the chances of attaining your long-term goals. Your time horizon is critical in determining your proper asset allocation.*AA Start the Conversation > |
Wealth Management AdviceYou can count on our team to work closely with your full advisory team CPA or tax advisor, legal advisor and others you trust to help guide your financial future. Of course, this will be done only with your approval and respecting the confidentiality and privacy of each discipline. Each discipline brings a unique perspective to your tax, portfolio design and investment planning picture. By combining the expertise of various professionals, you can improve the chances of achieving your goals. We can help you and your advisors implement appropriate ideas through re-registration of assets, investment of assets (perhaps through a trust), Trustee services, and tax reporting. Start the Conversation > |
Tax StrategiesThe broad scope of tax legislation that has become law over the past several years has prompted many higher-income taxpayers to take a closer look at their tax situation. Since some tax changes are permanent and some are temporary, it is important to remain focused on your long-term objectives. Our team will develop and manage an asset allocation strategy that will help you work toward your goals, keeping in close touch with you and your tax advisor to keep you abreast of the latest tax provisions. We are always mindful of tax considerations when implementing your investment strategy and making any adjustments to your investments, paying close attention to what you will keep versus what you will pay in taxes. Start the Conversation > |
Estate PlanningA well-designed estate plan can bring confidence that you and those for whom you care most will enjoy the security of your assets. If you should become incapacitated or die, an estate plan lets you address specific needs or problems, such as avoiding delay and frustration in estate settlement, providing for dependents with special needs, benefiting a charity, or helping to meet unique asset transfer goals you specify. A well-developed estate plan may include; wills, durable power of attorneys and trusts and help minimize taxes, court costs, and unnecessary legal fees that may be associated with probate. We will work with your estate planning professionals to help ensure your investment plan is in line with your estate planning goals.*EP Start the Conversation > |
Education PlanningWhether your children or grandchildren are toddlers or teenagers, it’s only a matter of a time before they leave the family home, probably as they head off to college. The cost of sending just one child to college for four years can be staggering, and tuition and fee hikes regularly outpace inflation. Rather than sending your children or grandchildren into the world with the burden of student-loan debt, you can save to help cover at least a portion, if not all, of their higher-education expenses. Fortunately, parents who intend to cover or contribute to their children’s education costs have more choices today than they’ve ever had. Our team can help you navigate the various education savings vehicles, including 529 plans, Education Savings Accounts (ESAs), and custodial accounts. Start the Conversation > |
Investing with Purpose / Impact InvestingA growing number of clients are asking for investments which align with their personal convictions, or achieve a broader impact on their community, while simultaneously meeting financial objectives. A broad array of options now exist for clients to invest in companies they believe in, avoid companies they don’t, and participate in strategies that aim to mitigate environmental, social, and governance risks. For the most part, responsible investing can be divided into three categories; Exclusionary or Restrictive, Impact, Thematic and Sustainable, and Integration and Risk Lens: ESG. Determining which of these strategies is best for you can be an overwhelming process. Our team is here to help ensure your investments align with your values and fit within the broader context of your investment plan. Start the Conversation > |
Risk Management & Insurance ServicesWhether its life, disability, long term care or key-person, our team can create and implement tailored insurance strategies to help meet your unique needs. Life insurance needs generally fall into three categories —protection, long-term savings and estate conservation. As protection, life insurance can financially safeguard your family by providing a continuation of income in the event of your death, letting them maintain their current standard of living and meet future financial goals. For estate conservation, life insurance can help offset expenses that your heirs must pay at your death, thus preserving your family’s accumulated wealth.*RM Start the Conversation > |
Concentrated Equity StrategiesHolding a large position in one stock increases your risk level compared to a well-diversified portfolio. As a general rule, we recommend a well-diversified equity portfolio should hold no more than 10% of your total portfolio value in one security and no more than 30% in any one sector. An asset allocation model, risk tolerance and other considerations may also impact these percentages. Consider discussing with our team the strategies available to help manage your concentrated positions. Start the Conversation > |
Wealth Transfer PlanningWealth transfer planning is about creating a custom plan for the control and benefit of your wealth during your lifetime, in the event of incapacity, and upon your death. The personal decisions of who is in charge, who benefits, and how they benefit are entirely up to you. A comprehensive approach with a strong advisory team including your tax and legal professionals will help you decide; whether to transfer assets, how much to transfer, which assets, the amount of exemption to use and when to transfer. Our team will help ensure your custom plan is carried out effectively and efficiently, that assets remain protected for the heirs, and that taxes can be kept to a minimum. Start the Conversation > |
Charitable GivingWhile many charitably minded individuals spend a lot of time choosing the causes they want to support, many overlook the various ways they can most efficiently give. The majority of charitable contributions are made by cash or check. Depending on your particular financial situation, cash can be the least beneficial method of giving – for you, the donor, and for your charitable recipients. This is true particularly when you have other appreciated assets to choose from. Our team will help educate you on the tax benefits and implications of donating non-cash assets, while keeping the context of your overall portfolio in mind—helping you build a smarter, more holistic investment plan. Start the Conversation > |
Alternative InvestmentsPensions, endowments, and institutions have long incorporated alternatives in their asset allocation framework. Some individual investors, however, may not be familiar with these important investment tools, resulting in portfolios that have exposure limited solely to traditional assets, such as stocks and bonds. Our team can help you diversify or complement a traditional portfolio with alternative investments, which include asset classes, strategies, and structures that often are different from traditional investments and employ hedging and arbitrage techniques using long and short positions, leverage, derivatives, private investments, and investments in a variety of global markets.*FAI *AI Start the Conversation > |
Access to Banking & Lending ServicesOur team offers access to banking and lending services such as residential mortgages home equity lines of credit, securities-based lending, business financing, and credit cards through Wells Fargo affiliates. As your wealth increases, it’s important to consider how you use credit within the context of your overall portfolio to meet your long-term financial goals. Our team can put you in touch with Wells Fargo affiliates who can assist with your lending needs.*BL Start the Conversation > |