Our Experience
Asset Allocation Strategies
Determining how much to invest in stocks, bonds, cash, and real estate-oriented investments may be one of the most important decisions you will make regarding your investment plan. We provide advice and counsel to help you determine the appropriate asset allocation based on your lifetime goals and risk tolerance.
Investment Management
Advisory (fee-based) account management focuses on the long-term benefits of your wealth management strategy. We provide specific recommendations on how we will manage your investments and apply tailored strategies to handle day-to-day decisions of what to buy and sell. We review performance and style allocation regularly and recommend changes as necessary to achieve your lifetime goals.1
PIM® Portfolio Management
A Private Investment Management (PIM) Portfolio Manager is a specially trained Financial Advisor to manage clients' investment portfolios in a discretionary manner, guided closely by the research recommendations and collective insights of Wells Fargo Investment Institute and external research firms whose services we subscribe to. Each portfolio follows an investment plan customized to the client’s needs and may represent a blend of stocks, cash alternatives, exchange traded funds, closed end funds, and allowable mutual funds.2
Liability Management
Focusing on both sides of your personal balance sheet is a crucial part of your investment plan. We will work together to review your liabilities to assure you are using the best options for your situation. Through Wells Fargo affiliates, we can provide you with access to lending and banking services.
Wealth Transfer Planning
It is important that your investment plan is properly integrated with your estate plan. Our process designs investment strategies in the context of multi-generational wealth transfer. We work with your Estate Planning Attorney to make sure that we understand your estate plan, so our strategies complement their work.
Family Security
Insurance is a critical part of any plan. We will review your life, health, long term care, and disability coverage with your insurance professional to make sure your policies are strong.3
Retirement Income Strategies
Most of the clients that we work with would like to increase their cash flow during retirement. They also want confidence that their retirement income plan is conservative and sustainable throughout their lifetime. We design a strategy that works for you and provide a system for continual review to help make sure it stays on track.
Business Retirement Plans
Selecting and implementing a retirement plan for your business is a valuable tool for employee attraction and retention. You want to be as competitive as possible by providing the greatest benefits to your employees. That’s why we take each business through our full discovery process, just like we would with an individual investor, to determine their needs, price point, desires for matching, and what they hope to provide their employees.
Education Funding
Saving for your child’s or grandchild’s education doesn’t have to derail your retirement savings plan. Many families use some combination of savings, investments, borrowing, and financial aid (if available).
There are a variety of college savings options out there, including 529 savings plans, custodial accounts in the child’s name, Coverdell Education Savings Account, educational trust funds designed for your child’s education, and private lending. We can help you come up with a plan that considers all aspects.
Please consider the investment objectives, risks, 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.
1 Advisory services are not designed for excessively traded or inactive accounts and 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 these programs is $10,000 to $250,000.
2 Wells Fargo Advisors’ PIM Portfolio Managers must meet eligibility requirements which include a minimum of two years of experience as a portfolio manager, five years of industry experience, and successful completion of stringent securities exams. They complete advanced training, including an ethics exam, proxy exam and a 40-hour portfolio management training course.
The PIM program is not designed for excessively traded or inactive accounts and is not 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.
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.
3 Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance company. Wells Fargo Advisors Financial Network does not provide legal or tax advice. You should consult with your attorney, accountant and/or estate planner before taking any action.