When it comes to this business and, above all else, my clients, I believe…

…all investors should have an investment plan and framework that addresses their short- and long-term needs.

…it is my responsibility to help my clients discover their truest goals and objectives.

…my clients shouldn't take more risk than is necessary to pursue their goals.

…I should be working for my clients in concert with their other professionals (lawyers, accountants, estate planners, etc.) as we develop strategies and implement plans.

…investor behavior and the processes we agree to employ are as important as the investment products selected.

…our efforts to help clients accumulate, preserve, and plan for the transfer of their wealth involve much more than simply prescribing certain ratios of stocks, bonds, and cash.

…asset allocation is a critical component of one's overall plan and that when wisely bought, common stocks may provide risk-adjusted returns.

…once a plan is agreed upon, we should meet to review the plan's progress and make changes when necessary for your situation.

…success depends on affecting a high level or personal compatibility with easy and open communications between myself and my clients.

The PIM program may not be appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.

Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.

Stocks are subject to market risk which means their value may fluctuate in response to general economic and market conditions, the prospects of individual companies, and industry sectors. Investments in equity securities are generally more volatile than other types of securities.

Past performance does not guarantee future results.