Curtis Hermann, CFP, ADPA, CSRIC™

First Vice President - Investment Officer, Financial Advisor

Planning Services

Planning Services

As part of our stewardship of your planning, we coordinate many different strategies to help address your needs.



Investment Management

  • Goals-based strategies

  • Environmental, responsible, sustainable governance (ESG) investing

  • Risk profile assessment

  • Rebalance strategies

  • De accumulation strategies

  • Investor behavior coaching

 

Planning For Diverse Communities

  • LGBTQ couples and families

  • Minority

  • Domestic partners and families

  • Extended families

 

Life Transition Strategies

  • Death of a loved one

  • Job change

  • Coping with illness

  • Marriage

  • Birth of a child

  • Retirement

  • Sudden income

  • Divorce

 

Education Planning

  • Education savings strategies

  • Invest for children or grandchildren

  • Identify suitable tax-advantaged investments



Retirement Planning

  • Social Security claiming strategies

  • Retirement plan investments

  • Retirement plan distributions

  • Retirement income strategies

  • Stock option grants or restricted stock



Wealth Preservation Strategies

  • Types of ownership; beneficiary designations

  • Wealth preservation strategies

  • Family wealth planning with next generation

 

Personal Risk/Family Security Generation

  • Adequate insurance protection

  • Management plan for incapacity/disability

  • Healthcare expense planning

  • LTC strategies

 

Income Tax Planning

  • Asset location strategies

  • Identify tax-efficient portfolio strategies

  • Manage capital gains, losses, and alternative minimum tax (AMT) exposure

  • Roth conversions

  • Retirement plan distribution strategies



As a Wells Fargo Advisors client, you have access to Wells Fargo affiliate products and services such as Wealth Planning, Private Banking, Trust and Fiduciary Services, and insurance as well as various customized and more traditional lending products.

 

Charitable And Community Giving

  • Discuss various charitable techniques

  • Explore strategies to instill philanthropic values in the next generation

 

Cash Flow/Cash Reserve

  • Emergency funds

  • Cash alternatives

 

Planning For Business Owners

  • Consider personal objectives in the framework of business objectives

  • Discuss various risk mitigation techniques

  • Business retirement plans

Contact Me to Learn More

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
This information is intended for use only by residents of (AL, AZ, CA, CT, DE, FL, GA, ID, IL, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, OR, PA, SC). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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