Fundamental Choice

Professionally managed portfolios with personal service

The Fundamental Choice® program is a customized advisory portfolio management program that utilizes active asset allocation management with the goal of long-term capital appreciation.

The Fundamental Choice difference

When working with a Financial Advisor through the Fundamental Choice program, you gain several benefits. First, you don’t have to bring a third-party portfolio manager “up to speed” on your investment objectives — your Financial Advisor is your Portfolio Manager. Second, each Financial Advisor must be certified by the firm to work with clients through the Fundamental Choice program. The criteria for certification include a mix of experience and education.  Another benefit is the access you get to the allowable mutual funds. 

A diversified portfolio tailored to your needs

The Fundamental Choice program provides a framework for establishing an investment plan tailored to fit your needs. You work closely with your Financial Advisor, following a four-step consulting process to create your plan, establish an investment strategy, construct your portfolio and monitor its performance. The process is centered on you — your life goals as they relate to your investment plan, your tolerance for risk and your willingness to make adjustments as you go along.

Professional portfolio management

One of the hallmarks of the Fundamental Choice program is the combination of customization with a disciplined investment strategy. Your Financial Advisor acts as your Portfolio Manager. Because your investment account is “discretionary,” your Portfolio Manager can make investment decisions on your behalf based on your financial objectives. 

When selecting securities for your portfolio, your Portfolio Manager is guided by the fundamental research — the “fundamental” in Fundamental Choice — conducted by Wells Fargo investment institute (WFII) and corresponding research providers. This type of research is a method of evaluating a security by studying whatever could affect its value — from company-specific factors (such as its financial condition and management) to economic and industry conditions. Your Portfolio Manager has access to these groups’ collective insight on market conditions and their recommendations for individual equities. In managing your portfolio, your Portfolio Manager tailors this information to fit your individual investment plan.

Benefits of a managed portfolio

By appointing experienced investment professionals to provide you with sound investment advice, manage your portfolio, and rebalance your investment mix when necessary, you free yourself from the time-consuming task of choosing and actively monitoring your investments. After allocating your investments, your Portfolio Manager continually manages your portfolio, monitors the markets and manages performance. As part of this process, your Portfolio Manager ensures that your portfolio remains invested in financial instruments most suited to your current needs and objectives.

Fundamental Choice summary

  • Ability to hold a range of assets in one portfolio, eliminating the need for multiple accounts
  • Personalized service that was once available only to high-net-worth clients
  • Access to Wells Fargo Advisors’ qualified and experienced Financial Advisors to act as your Portfolio Manager
  • Annual fee based on of your account size rather than traditional trade-based commission charges (billed quarterly in advance)
  • The Fundamental Choice program is not designed for excessively traded or inactive accounts, and may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure for a full description of our services Minimum account size for this program is $50,000.

Wells Fargo Investment Institute, Inc. is a registered investment adviser and wholly-owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.