Developing Your Financial Picture

An investment plan provides the solid foundation to help you work toward achieving your financial goals. Our planning process is designed to analyze your current financial situation and recommend steps, if any to improve it, based on the goals that you describe to us.

To design this custom investment plan, we will:

  • Conduct a personal interview with you.
  • Prepare a comprehensive analysis of your financial situation.
  • Review details of your custom investment plan.
  • Execute the investment recommendations.
  • Review and evaluate your portfolio, provide pertinent information on any necessary changes, and assist you with your tax reporting.
(Wells Fargo Clearing Services LLC does not render legal, accounting, or tax advice. Please consult your tax or legal advisor before taking any action that may have tax consequences.)

An important component of your investment plan should be the formation of an "Investment Philosophy Statement". This is the bridge between your stated goals and the investments that you use to help get there. It is the foundation for the management of your assets and the focal point for future evaluation.

The personal investment philosophy will set forth your:

  • Return objectives.
  • Tolerance for risk.
  • Time horizon.
  • Any investment restrictions.
  • Goals for the intended use of the assets, such as retirement or college education.

Together, all of these tools help to determine the appropriate mix of assets for you. Investments may include stocks, bonds, mutual funds, and money markets. You may decide to stress tax-advantaged investments like tax-free bonds and tax-deferred annuities. Ultimately, investment choices should be consistent with your "Investment Philosophy Statement".