Working with Individuals & Families

Building your plan for the future is an exciting opportunity but can be a challenge with so many demands on your time and attention. With many important financial goals on the horizon, we provide the discipline and the planning to help build and manage your wealth to meet your needs now and in the future. We provide trusted advice and guidance for many questions that come up, including:

  • When should I start saving for retirement?
  • How much do I need for retirement?
  • How should I handle a recent inheritance?
  • How can a disciplined budget help me plan?
  • How do I make sure my investments are aligned with my goals?
  • What insurance coverages do I need to protect my family and my assets?
  • How do I save for my children’s educational expenses?
  • What are my options for upgrading my home?
  • What can I do to reduce the taxes I am paying on my investments?
There are many important transitional events that families experience including: marriage, divorce, career change, children, retirement, home purchase, education and more.  These events represent both the joys and the challenges of life. With a vested interest in our clients’ long-term success, we work diligently to ensure our clients are prepared to meet life’s milestones:

  • How much do we set aside for our children or grandchildren’s education?
  • How much do we need to be setting aside for our retirement?
  • How will a job change at this point in our career affect our retirement planning?
  • Can we afford to have a second home?
  • What insurance coverages do we need to protect our family and assets?
  • How do I create a new roadmap for my own retirement after divorce?
  • When is the best time to upgrade our home?
With retirement approaching, plans must be adjusted to protect your assets and strategies put in place to provide you with the retirement income you need. We work with our clients to help them address many important questions as they approach retirement:
  • As we approach retirement, how should we adjust our investment strategy and savings plan as we aim to optimize income in retirement?
  • How do we incorporate the timing and options of pension and social security income streams into our planning?
  • How do we prepare for health care costs in retirement?
  • How do we reduce market volatility as we approach retirement?
  • How do we incorporate the effects of inflation on our retirement spending needs?
  • How do we prioritize our goals and ideal retirement scenario into a cohesive retirement plan?
Our team is passionate about efficient wealth creation and distribution strategies.

  • Have you put together a legacy plan for your children and grandchildren?
  • How do you position your investments as you aim to maximize income without taking too much risk?
  • Have you made sure your estate plan represents your wishes and strives to minimizes taxes?
  • What if you need long term care?
  • Have you been making charitable donations in the most tax efficient manner?
  • Have you thought about the transition of your wealth to future generations?  Are they prepared?

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 products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.