Our multigenerational investment planning approach allows us to build relationships with your family to help them understand the challenges of investment planning and properly managing inherited wealth. You and your family get the clarity and advice necessary to feel more confident to plan for the responsible stewardship of your family’s wealth over generations. Additionally, we can provide philanthropic solutions to help facilitate your charitable goals.

We are also fully prepared to help educate the next generation of investor, whether that includes your heirs or the trusted employee(s) who may one day take over your business. We will provide an objective view of the financial services industry to those we meet with so they can have a better understanding of the landscape ahead, which allows you to breathe more easily when thinking of those who will be carrying on your legacy.

While there are many different tax management strategies to consider – such as tax loss harvesting, charitable giving, exemptions and deductions – the ideal place to start is determining the changes that will be best for your overall portfolio. With your overall portfolio strategy and long-term objectives in full context, there are several proven tactics you can use to seek to minimize tax liabilities.

Our team will provide you with an independent investment perspective on various tax and estate strategies you may be considering and refer you to qualified tax specialists. We also suggest talking to your tax advisor.

_{Wells Fargo Advisors is not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.}

We will help review your current estate plan to ensure it is up to date and properly structured to protect you, your family and your wealth. This includes planning for the successful transfer and distribution of your assets so you know your family members will be cared for and your wishes will be followed. Our team will help you integrate your investment and estate plans, or evaluate potential strategies from a tax perspective as a component of wealth transfer planning.

In additional goal of your investment plan is to bolster the understanding your family has of its future endeavors, while also reducing taxes and simplifying the transfer of wealth. With your goals at the forefront, the plan we develop with you is meant to identify your estate investment planning intentions, while also exploring all the options that are available. Should you decide to create a legacy trust, our highly credentialed professionals can help you at every stage of the process.

_{Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.}

Insurance protection is a crucial component of a comprehensive, long-term investment plan. Because your financial future depends on a variety of uncontrollable circumstances, we provide you with access to a wide range of insurance coverages that can protect your financial security by helping with unforeseen costs and losses. These include disability, life, and long-term care insurance, as well as personal liability insurance. We will also review your existing insurance policies.

<sub>This is not, in any way, intended as an invitation to replace your existing coverage. Such an exchange is often not appropriate due to such factors as surrender charges on your existing policy, the surrender charge period on the new policy, transaction costs associated with the exchange, the values of the new policy versus the old policy, and the various fees and expenses associated with the new product. Therefore, replacing an existing policy should only be considered after a careful evaluation of these factors as well as a thorough review of your existing coverage.

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

As a Wells Fargo Advisors client, you have access to securities-based financing, residential mortgages, home equity financing, credit cards, and business financing through Wells Fargo Advisors or affiliates of Wells Fargo.

We provide corporate executives and small business owners with recommended strategies designed to increase corporate and personal net worth. These services include guidance for managing concentrated positions, employee stock option exercise and sale, succession planning, company 401(k)s, employee benefits review, and business transition strategies.

Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), Member FDIC, and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.

Wells Fargo Bank, N.A. (‘the Bank”) offers various banking, advisory, fiduciary and custody products and services, including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, may be paid an ongoing or one-time referral fee in relation to clients referred to the Bank. In these instances, the Bank is responsible for the day-to-day management of any referred accounts.

We are committed to providing you with informed perspectives and tailored approaches to your needs and challenges. As your trusted advisors, we begin with a deep understanding of your financial priorities and then apply appropriate financial solutions to help protect and grow your wealth.