Summary of Services

Investment Consulting

  • Analyze current portfolio
  • Clearly define investment objectives and risk tolerance
  • Develop appropriate investment strategy
  • Search and select independent money managers or funds
  • Design and construct appropriate portfolio
  • Evaluate and report portfolio activity
  • Evaluate and report performance
  • Conduct regular portfolio reviews with clients

Investment Management

  • Fixed-income portfolio management
  • Taxable and tax-exempt1 bond ladders customized to client’s specific needs
  • Cash Management
  • Money-market funds with check writing
  • CDs, T-Bills, and other high-quality short-term vehicles
  • Margin borrowing2

Investment Planning

  • Existing investment-plan
  • Net-worth analysis
  • Income-tax and cash-flow analysis
  • Retirement planning
  • Analysis of pension/profit sharing/annuity distributions
  • Education planning
  • Investment-plan updates

Estate Planning Strategies

  • Review trusts/wills/insurance needs3
  • Existing insurance policy analysis
  • Referrals to qualified insurance, tax, and legal professionals
  • Implementation of strategies in concert with your tax and legal advisors

Retirement Plans

  • Investment consulting
  • Evaluation and amendment of existing plans
  • Referrals to qualified pension consultants and third-party administrators/recordkeepers

Business Transfer Issues

  • Cashless stock option exercise and sales
  • Restricted securities transactions: Rule 144 sales

1Tax exempt bonds may be subject to state, local or the Alternative Minimum Tax.

2
Margin borrowing may not be suitable for all investors. When you use margin, you are subject to a high degree of risk.  Market conditions can magnify any potential loss.  The value of the securities you hold in your account, which will fluctuate, must be maintained above a minimum value in order for the loan to remain in good standing.  If it is not, you will be required to deposit additional securities and/or cash in the account or securities in the account may be sold.  Clients are not entitled to choose which securities in their accounts are sold.  The sale of their pledged securities may cause clients to suffer adverse tax consequences.  Clients should discuss the tax implications of pledging securities as collateral with their tax advisors.  An increase in interest rates will affect the overall cost of borrowing.  Wells Fargo Advisors and its affiliates are not tax or legal advisors.  Margin strategies are not suitable for retirement accounts.  Please carefully review the margin agreement, which explains the terms and conditions of the margin account, including how the interest on the loan is calculated.

3Wells Fargo Advisors is not a legal or tax advisor.  However, we will be glad to work with you, your accountant, tax advisor and/or lawyer to help you meet your financial goals.  Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice in your state.  Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.