How We Do It
What matters most to you matters most to us.
We listen, plan, implement, and adapt.
We know how hard our clients work for their money, and why. They do it to build a meaningful life for themselves, their family and their community. We work just as hard to help them achieve that life. We are backed by years of experience helping clients manage their wealth and access the depth of resources that comes from being part of one of the world's largest financial firms.
Our relationship begins with a thorough understanding of you - your needs, your lifestyle and family, your values, and your goals for the future. We work with you to develop a roadmap to help you achieve and preserve the outcomes you envision. We create and implement smart comprehensive wealth management strategies. Accomplishing your goals requires vigilance and flexibility. We help you monitor your progress and make adjustments as life evolves, markets and tax laws shift, and priorities change.
Listen
Our approach is simple. We want to know as much as we can about our clients, so we are in the best possible position to help them. And that does not mean we just want to know about their finances. True, we have to understand what your assets and liabilities are, and how your portfolio is structured. But the more important information has to do with your goals for yourself and your family, your feelings about where you are and where you hope to be and, of course, your fears, and the things that might prevent you from getting what you want.
Plan
Your wealth is multidimensional, and so is our approach. Because everyone is different, we construct dynamic plans for each client's specific set of goals and challenges. Maybe you want to retire at 55 and start a new business. Maybe you want to be able to pay both college tuition for your child and nursing home care for your mother. Or perhaps your concerns are avoiding conflict and entitlement in the family, developing passions to inform your philanthropy and the strategies to support it, or successfully transferring family wealth. Addressing the issues that matter most to you requires a special knowledge, experience and commitment. Serving your best interests through a thoughtful and comprehensive planning process is at the heart of everything we do.
Implement
We help our clients construct smart, tax efficient and cost effective investment portfolios. While your investment portfolio is always at the forefront of our minds, this is just the beginning when it comes to implementing your plan. For example, we consider and advise our clients on estate planning strategies; Trusts and asset protection; Insurance analysis, including life, healthcare and long term care; Tax planning; Philanthropy, including the use of Family Foundations and Donor Advised Funds; and we provide access to lending and credit through Wells Fargo affiliates. Whatever your needs may be, we make sure we have thought about them deeply and put in place the most effective strategies and structures. Working closely with you and your tax, legal and other personal advisors, our team will design and implement strategic and tactical strategies to your most important concerns about your financial and human capital.
Adapt
The Higgins Private Wealth Management Group of Wells Fargo Advisors makes certain that as your financial concerns and priorities shift, tax laws change, and economic events unfold, your plan dynamically adapts and evolves as a result. We monitor both life and market changes as they occur and have a disciplined approach to navigating all aspects of your strategy. We suggest and implement adjustments and refinements in real time, thereby helping to ensure that your portfolio is always properly positioned and your personal interests and family values remain at the heart of your overall wealth management plan.