Understanding Your Goals and Concerns

Financial decisions should not be made in a vacuum.  Every client is different and there is no one target that works for every single investor.  Your personal goals should be the heart of what drives your investment strategy and we believe that meeting your personal goals is far more important than a random market benchmark.  We will work with you to explore your goals and dreams while discussing any concerns you might have around achieving them.  As part of this process, we will work with you to understand and develop an appropriate balance between your goals, time horizon and risk tolerance.  As your life changes, this will be an ongoing process to ensure we plan for your changing goals.

Managing Cash Flow and Cash Reserve

Effectively managing your cash flow is important in every phase of your life. While you're working, developing a process to take advantage of the most effective savings strategies is critical to your success. As you near retirement, it is important to understand how your spending needs change in this new phase of life. We will work with you to review current spending and how that might change once you begin retirement. This includes developing a budget, reviewing different cash flow strategies, and helping you manage an appropriate cash reserve. We can also help you determine how to build and maintain a “retirement income” to meet your new retirement lifestyle.

Planning for Your Retirement

When you're ready to stop working, your financial assets need to be ready to start providing a retirement paycheck. That is why it is important to effectively plan for retirement throughout your life. While you're working, we will help you define your retirement goals and develop a plan to meet those goals. This includes saving the appropriate amount and investing in a manner that provides the highest likelihood of providing the income you will need. Financial plans require on-going monitoring and sufficient flexibility to respond to life events as they occur. With our Envision(R) process, we continually monitor your plan to ensure that it is on track and highlight choices to meet your financial goals. We will also help you understand how social security and other sources of retirement income fit into your retirement plan. As a client, you only have one shot at retirement so it's important to work with a team that has experienced retirement many times through the lives of our clients.

Managing Your Investments and Risk

Your personal goals should be at the center of your investment strategy. We will help you build an investment strategy that is designed around your unique situation and takes into account your views on how risk should be considered. We will help you determine the appropriate asset mix, select the specific investments for your portfolio and continue monitoring and adjusting your investments as necessary. Having a disciplined long-term plan that addresses risk is an important factor in being a successful investor. Because of this, we believe ongoing communication is also crucial in understanding how you are invested and meeting those long term goals.

Addressing Personal Risk and Family Security

In life, we spend quite a bit of time planning for specific financial events. Milestones such as retirement or going to college are often in the plans but what happens when life deals an unexpected financial challenge? Will we still be able to meet the financial goals we have worked so hard to achieve? Although devastating events are not always likely to occur, the consequences can set you back dramatically. We believe your goals are worth protecting and can help you understand various strategies to safeguard your family and your assets. We can discuss tools such as life insurance, disability insurance, and long-term care insurance and whether or not they make sense for your specific financial situation. This can change with your life and we can help you review the steps necessary to navigate the risks. Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies

Managing Your Debt

People often have strong opinions about debt. Our team can help you understand how debt fits into your overall picture and how to use it as a potential advantage. Whether you need a plan for reducing or restructuring your debt, or are exploring ways to finance a purchase, we can help you understand the impact debt may have on your overall financial goals.

Estate and Charitable Planning

You have worked hard for the financial assets you have accumulated and we are committed to being an important partner in helping you define and plan for your personal estate goals. Your estate plan is often about actions taken during your life and understanding what you want is the first step. This can include identifying options to avoid probate or discussing various options to minimize taxes and preserve assets for your family. Whether it's as simple as beneficiary designations or as complex as a trust, we can support you and your attorney in the process. We listen to our clients and help them formulate ideas so that meetings with their attorney can be more productive.

Discussing Tax Strategies

Managing your tax liability is an important factor in having a solid investment plan. Strategies like identifying tax-efficient portfolio techniques, discussing retirement funding options, and managing capital gains and losses are topics we typically address. In addition, we can discuss the concept of asset location to help you have a more thoughtful tax-efficient investment strategy. Although, we are not tax advisors, we think it's important to help you understand some of the tools available and will coordinate with you and your tax advisor to minimize the impact taxes may have on your investments.

Planning for Education

Whether your children or grandchildren are toddlers or teenagers, it's only a matter of a time before they leave the family home, possibly 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. Fortunately, parents who intend to cover or contribute to their children's education costs have more choices today than they've ever had. We can help you build a plan to address your education goals and understand the many education savings tools that could be available to you.

Planning For Life Transitions and Unexpected Events

We do not plan for your financial goals in a vacuum. We understand that your plan should fit your life instead of trying to fit life around your plan. Understanding your dreams for today and the future are just as important as the hard numbers and statistics we use in an effective plan. Ultimately, effective planning is about providing independence so you can spend more time on the things and people you love. Whether it's retirement, the birth of a child, or the unexpected illness of a family member, we're here to offer our guidance through major events in your life.

Coordinating Your Company Benefits

Whether you work for a large company, a small company or are self-employed, understanding how to manage your benefits is an important part of your financial life. We can help you understand how to integrate these important benefits with your personal financial life. Many of our clients need guidance on:

•401(k) or Similar Retirement Plan (403(b) plans, 457 plans, etc.)
•Simplified Employee Pension (SEP) Plan
•Company Pension
•Deferred Compensation
•Company Stock Awards
•Company Health Insurance
•Group Life Insurance
•Health Savings Account

Coordinating Your Professional Network

Often, you will need more than just one advisor to help you navigate your financial life. Whether it's your tax advisor, attorney, or other important professional, we believe in working as a team to help you realize your goals. We can help you coordinate having all of the right partners in your financial life so you can feel confident in achieving your goals.