Lower fees and an eye toward tax-efficiency could mean better long-term investment results.

We utilize lower cost, efficiently-managed investments to create your diversified portfolio.  Our investment philosophy is built on three cornerstones:


1. Diversification

Because asset allocation is a main driver of your portfolio’s return, we aim to balance risk and reward by aligning your portfolio to meet your investment goals, risk tolerance and investment time horizon.   


2. Lower Costs

Our approach to investment selection is to identify and use lower-cost investments such as Exchange Traded Funds (ETFs), index funds and stocks and bonds to help reduce investment expenses and meet your financial goals. We seek long-term, consistent results.


3. Tax-Efficient Strategies

The long-term impact of taxes on investment returns can take a bite out of your savings. Our tax-efficient strategies help you continue to grow your savings for retirement while managing the impact of taxes.


Wells Fargo Advisors is not a legal or tax advisor.

Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.

Exchange-Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed, or sold, may be worth more or less than their original cost.

There is no assurance that the price and yield performance of the index can be fully matched. An index is unmanaged and not available for direct investment.

Independent money management may not be suitable for all investors.