Our services

Creating a plan can help you stay focused, prepare for challenges ahead, and make choices that work for you. Our planning process is the foundation we use to develop your retirement income plan. It can help you make choices and tackle the following topics:

• When and how can I retire with confidence?
• How can I help make my money last as long as I’m retired?
• Where will my income come from?
• How do I prepare for and respond to events throughout retirement?
• When and how should I address my legacy goals?

While we develop your retirement plan, you’ll want to look at risks such as inflation, market events, health needs, withdrawal strategy, and how long you’re likely to live. Understanding the impact these challenges may have on your savings and planning for that can help you stay the course.

Planning for retirement is not a “one and done” kind of activity. A good plan should be checked regularly and adjusted, as necessary. Keep an eye on your portfolio, talk about your expectations, and prepare for the unexpected.


<sub>Wells Fargo Advisors does not provide tax or legal advice.

Investing involves risk including the possible loss of principal. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Diversification does not guarantee profit or protect against loss in declining markets. Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments. An investment in the stock market should be made with an understanding of the risks associated with common stocks, including market fluctuations. Dividends are not guaranteed and are subject to change or elimination.</sub>

Even if you already participate in a qualified employer-sponsored retirement plan (QRP) such as a 401(k), 403(b), or governmental 457(b), an IRA can help supplement these savings. Similar to a 401(k), IRAs offer the potential for growth in a tax-advantaged account. Over time, that can make a significant difference in your retirement savings.

Make an appointment with us to go over your IRA choices, including whether a traditional IRA or a Roth IRA is right for you.

Your estate plan can define what you would like to happen to your assets when you die. It can also take care of you as you get older or if you become ill or incapacitated. If you don’t make your own plan, your family may be left scrambling at an already difficult time. Bottom line: If you don’t decide, someone will decide for you. 

Making the decisions involved with estate planning may seem overwhelming. It doesn’t have to be. You can start by organizing your important documents, including your will, durable power of attorney, health care power of attorney, living will, or revocable living trust.

Turn to a team of trusted professionals, including your financial advisor, estate planning attorney, and accountant. They know the questions to ask and can help you avoid potential pitfalls. If you currently don’t have relationships with an attorney and an accountant, we can make some recommendations. We can also discuss our role in the planning process and how you can get started.


<sub>Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors.

Wells Fargo Advisors and its affiliate do not provide tax or legal advice. Please consult with your tax and/or legal advisors before taking any action that may have tax and/or legal consequences.  Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.</sub>

Your investment plan should get the attention it deserves. You can save time and have a professional manage your investments when you use the services of an advisory program.

Advisory programs generally fall into two categories. One gives another party the power to make decisions for your account’s day-to-day management. This means you can allow a portfolio manager — in some cases, your Financial Advisor — to decide when to buy, sell, and hold investments without consulting you.

Your portfolio manager will make decisions based on a variety of factors:

• Your long-term objectives
• The time you have to reach your objectives
• Your risk tolerance

In the other program, you collaborate with your Financial Advisor. We will provide you with objective advice and guidance based on your needs, goals, and today’s investment environment to help you make your own buy, sell, and hold decisions.

We can discuss the programs with you and see what fits your situation – and what makes you feel more confident in helping you reach your goals.


_{The fees for advisory programs are asset-based and assessed quarterly in advance. There may be a minimum fee to maintain this type of account. Fees include advisory services, performance measurement, transaction costs, custody services, and trading. These fees do not cover the fees and expenses of any underlying exchange traded fund (ETF), closed-end funds, or mutual funds in the portfolio. Advisory accounts are not designed for excessively traded or inactive accounts and are not appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services, including fees and expenses. The minimum account size for these programs is between $10,000 and $2,000,000.}

You can’t avoid all risks in life. Insurance can play a key role in helping preserve your assets and achieve your financial goals.

When it comes to your financial goals, there are more risks to consider than just market volatility.  Insurance can help protect against life-changing events. It can help ensure the financial goals you have made can continue on. 

We offer life, disability, and long-term care insurance to help protect what matters most to you.  Each type of coverage can help protect the key areas of your financial life: family, business, retirement, and legacy. 


<sub>Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

Guarantees are based on the claims-paying ability of the issuing insurance company.</sub>

As a parent or grandparent, you’re probably considering how to balance paying for college while planning for your retirement. Many families use some combination of savings, investments, borrowing, and financial aid (if available).

As you can imagine, the sooner you start saving for your child’s or grandchild’s education, the more money you may have later.

One popular way to save is the 529 college savings plan. These are tax-advantaged accounts administered by states and institutions. Parents, grandparents, relatives, and friends can contribute. Other college savings accounts include custodial accounts in the child’s name and Coverdell Education Savings Accounts.

Please consider the investment objectives, risk, charges, and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and other information, can be obtained by calling your Financial Advisor. Read it carefully before you invest.

Qualified Coverdell Education Savings Account distributions are not subject to state and local taxation in most states.

If you’re changing jobs or retiring, you’ll need to decide what to do with assets in your 401(k) or other qualified employer-sponsored retirement plan (QRP). These savings can represent a significant portion of your retirement income, so it’s important you carefully evaluate all the options.   

Generally, you have four options:

• Roll the assets to an Individual Retirement Account (IRA)
• Leave the funds in your former employer’s retirement plan (if allowed)
• Move savings to your new employer’s plan (if allowed)
• Withdraw or “distribute” the money

We can help educate you so you can decide which option makes the most sense for your specific situation.


<sub>When considering rolling over assets from an employer plan to an IRA, factors that should be considered and compared between the employer plan and the IRA include fees and expenses, services offered, investment options, when penalty free distributions are available, treatment of employer stock, when required minimum distributions begin, protection of assets from creditors, and bankruptcy. Investing and maintaining assets in an IRA will generally involve higher costs than those associated with employer-sponsored retirement plans. You should consult with the plan administrator and a professional tax advisor before making any decisions regarding your retirement assets. Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 1/2.

Wells Fargo Advisors does not provide tax or legal advice. Please consult with your tax and legal advisors to determine how this information may impact your own situation.</sub>

We are committed to helping you maximize the success and profitability of your business. Our specialized products and services can help give your business the cash flow and support it needs to thrive.

Some of the services we offer and can assist with include:

• Employee benefit plans and packages
• Business owner life insurance
• Funding a buy-sell agreement
• Key person life insurance
• Succession planning and business exit strategies

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

Part of the investment planning process is making investment choices that fit your strategy. Those investments should work together to help you accomplish your financial goals. We’re dedicated to providing you a wide range of investment products and services to help you meet them.

As an investor, you have many options. Common types of investments include:

• Stocks
• Bonds
• Mutual funds
• Exchange-traded funds (ETFs)
• Annuities
• Brokered certificates of deposit (CDs)

Contact a Financial Advisor to learn more about the types of investments to consider for your portfolio.