Investing for Growth (IFG) Strategy

Overview

• The Investing for Growth strategy is an equity-based portfolio that is based on sell side analysts’ earnings projections.

• Buy and sell discipline
• Search for companies that have received two upward earnings revisions by analysts in a six-month period
• Historically, stocks are sold when analysts lower their earnings projections

Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal. Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments.

The PIM program is not designed for excessively traded or inactive accounts and are 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.

Investing for Dividends (IFD) Strategy

Overview

• Equity portfolio that has an objective of total return from dividend income and appreciation.

• Stocks are selected based on a strong dividend paying history
• Search for companies with potential annual dividend growth
• Historically, stock is sold if dividend is decreased

Dividends are not guaranteed and are subject to change or elimination. Past performance is no guarantee of future results and there is no assurance that any investment strategy will be successful.

All investing involves risk, including the possible loss of principal. Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments.

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.

Investing for Health Sciences (IFH) Strategy

Overview

• Equity portfolio that has an objective of wealth creation from disruptive technologies in the health care sector.

• Seek companies that help provide better and more efficient outcomes
• Search for companies that target unmet medical needs
• Typically comprised of companies that are at clinical stage

Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal.

Sector investing can be more volatile than investments that are broadly diversified over numerous sectors of the economy and will increase a portfolio’s vulnerability to any single economic, political, or regulatory development affecting the sector. This can result in greater price volatility.

Some of the risks associated with investment in the Health Care sector include competition on branded products, sales erosion due to cheaper alternatives, research and development risk, government regulations and government approval of products anticipated to enter the market. 

The PIM program is not designed for excessively traded or inactive accounts and are 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.

Investing for Fixed Income (IFI) Strategy

Overview

• Portfolio that has an objective of generating a fixed income stream.

• High quality fixed income issuers
• Treasuries
• Municipals
• Corporates
• Money Markets

Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal.

Investments in fixed-income securities are subject to market, interest rate, credit and other risks. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can cause a bond’s price to fall. Credit risk is the risk that an issuer will default on payments of interest and/or principal. This risk is heightened in lower rated bonds. If sold prior to maturity, fixed income securities are subject to market risk. All fixed income investments may be worth less than their original cost upon redemption or maturity.  

The PIM program is not designed for excessively traded or inactive accounts and are not suitable 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.

Direct Indexing Strategy

Overview

• Strategy provides broad market exposure by investing in individual stocks in a Personalized Unified Managed Account (P-UMA) program.

• Seek pre-tax performance in line with broad market while providing after-tax outperformance
• Tax management considerations influence investment decisions

Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal. Stocks offer long-term growth potential but may fluctuate more and provide less current income than other investments. 

Comparisons to benchmarks have limitations because benchmarks have volatility and other material characteristics that may differ from those of the portfolio. Because of these differences, benchmarks should not be relied upon as an accurate measure of comparison. There is no guarantee that the index reflects the asset allocation or portfolio characteristics of the manager’s strategy or that any of the securities in the portfolio are included in the Index.

The Personalized Unified Managed Account (Personalized UMA) 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 between $10,000 and $2,000,000, depending on strategy selected.  

Alternative Investments Strategy

Overview

• The Alternative Investments Strategy provide an alternative vehicle for investment growth potential.

• Alternative investments could include hedge funds, private placements, precious metals, digital assets, MLPs and/or real estate. 
• Historically, such investments have a lower market correlation than traditional investments and can limit downside exposure

Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal.

Alternative investments, such as hedge funds, funds of hedge funds, managed futures, private capital, real assets and real estate funds, are not appropriate for all investors. They are speculative, highly illiquid, and are designed for long-term investment, and not as trading vehicle. These funds carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. The high expenses associated with alternative investments must be offset by trading profits and other income which may not be realized. Unlike mutual funds, alternative investments are not subject to some of the regulations designed to protect investors and are not required to provide the same level of disclosure as would be received from a mutual fund. They trade in diverse complex strategies that are affected in different ways and at different times by changing market conditions. Strategies may, at times, be out of market favor for considerable periods with adverse consequences for the fund and the investor. An investment in these funds involve the risks inherent in an investment in securities and can include losses associated with speculative investment practices, including hedging and leveraging through derivatives, such as futures, options, swaps, short selling, investments in non-U.S. securities, “junk” bonds and illiquid investments. The use of leverage in a portfolio varies by strategy. Leverage can significantly increase return potential but create greater risk of loss. At times, a fund may be unable to sell certain of its illiquid investments without a substantial drop in price, if at all. Other risks can include those associated with potential lack of diversification, restrictions on transferring interests, no available secondary market, complex tax structures, delays in tax reporting, valuation of securities and pricing. An investment in a fund of funds carries additional risks including asset-based fees and expenses at the fund level and indirect fees, expenses and asset-based compensation of investment funds in which these funds invest. An investor should review the private placement memorandum, subscription agreement and other related offering materials for complete information regarding terms, including all applicable fees, as well as the specific risks associated with a fund before investing. 

The Asset Advisor 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 $25,000.