James Pyles, CFP, RICP

First Vice President - Investment Officer, Financial Advisor

Process & Services

Process and Services

James Pyles, CFP®, RICP ® starts with an understanding of his client’s goals for themselves and their families. This includes a review of their Investment Allocation, Retirement Planning, Income sources, Estate Investment Planning, and Risk and Timing evaluation. In addition, James assesses insurance needs such as Life, Disability, and Long Term Care Insurance*. Using this as a starting point, James will design a customized plan for his clients to meet these criteria.

James recognizes that clients’ circumstances are dynamic and as such schedules regular reviews to update and modify the strategies accordingly. This includes coordinating with his clients’ attorneys and accountants to assure synchronization among their professional team.

Stretching across many states, James services individuals, couples, trusts, businesses, and charitable organizations.


Services include:
· Retirement planning - Help clients fully utilize their employer-sponsored retirement plans and IRAs. Analyze all resources, build a savings plan, and help manage assets both before and during retirement.

· Retirement Income Generation – Assist clients in optimizing their income sources such as Social Security and Pensions, and coordinate with an efficient portfolio withdrawals strategy.

· Investments - Help clients understand their risk tolerance and determine asset-allocation needs. Recommend the appropriate investment vehicles to help clients achieve their goals.

· Estate planning strategies** - Work with estate-planning and trust specialists, available through Wells Fargo Advisors and its affiliates, to help review wills and trusts, preserve the estate, establish beneficiary designations, and reduce potential exposure to estate taxes and probate costs.

· Education funding - Recommend investment and accumulation strategies to help fund primary/secondary/post-secondary education.

·Tax management** - Help assure client’s portfolio is tax-efficient for their personal situation. Develop appropriate investment strategies in taxable, tax-deferred, and tax-exempt accounts. Refer tax qualified professional for consulting and tax preparation.

  




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

**Wells Fargo Advisors does not provide tax or legal advice. Please consult with your tax and legal advisors before taking any action that may have tax consequences.

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
This information is intended for use only by residents of (AZ, CA, CO, CT, FL, ID, MO, MT, NC, NM, OR, PA, TN, TX, WA). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

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

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