Personal Wealth Management

When it comes to wealth management, we help our clients pursue those specific goals through thoughtful advice, intelligent investment management, and access to the capabilities and network of Wells Fargo Advisors, one of the nation’s premier financial services firms.

In working closely with high-net-worth individuals and families to develop wealth and investment management strategies, we identify investment opportunities to help them reach their objectives. These services are complemented by our efficient execution and attentive client service. Along with many traditional brokerage service offerings, we also offer solutions including, but not limited to, what we’ve listed below. If you ever have questions about these services and solutions, don’t hesitate to reach out.

Cash Flow or Liquidity Planning

What are your primary sources of income relative to your needs?
How are you positioned to fund any planned or unexpected events?
What is your strategy to cover lifestyle expense needs in a tax-effective manner?
What does retirement look like to you?

Save for Retirement

When would you like to retire? Would you retire earlier even if it meant living on less income?
What does retirement look like to you? Stopping work altogether? Pursing a hobby or business idea? Where do you plan to retire comfortably?
What amount of retirement savings do you need in order to retire comfortably?

Align Investing With Values

How are your investment objectives aligned to meet your personal values?
What are your experiences with social impact initiatives?
What environmental, social, or governance causes are you most passionate about?
What are your goals to impact those causes?

Plan for Income During Retirement

How satisfied are you with your current standard or living?
How do you see your income needs changing in retirement? What is your biggest expense? How prepared are you for unexpected costs?
How would you tap into your retirement assets in a tax-
efficient way?

Plan for Taxes and Inflation

How do you think your plans for retirement will impact your tax situation?
What are you doing today to minimize your tax liability?
What concerns do you have about inflation?

Pursue a Dream or Major Purchase

What are your dreams for the future?
Buy a house or second/vacation home?
Start a business?
Travel?
Purchase property overseas?

Fulfill Education and Gifting Goals

How do you define your lifetime gifting goals?
What are your goals for supporting family members with educational pursuits?
Are there other individuals or institutions you intend to support?
What are your passions and values related to education?

Invest in Philanthropic Causes

What favorite charities, causes, or educational institutions are you interested in supporting?
Are they short-term or long-term interests?
How would you like to be able to see the benefits of your philanthropy?
How interested are you in philanthropic investing or involvement as a way to pass on values to future generations?

Protect Assets

What everyday safety and liabilities do you worry about?
What steps have you taken to preserve your wealth?
How are you managing risk of untimely death or disability?
What insurance policies do you have in place to protect your personal or business assets?
What other steps have you taken to safeguard your wealth?
What concerns do you have about privacy or security (cybersecurity, physical, personal, and business)?

Plan for Life Transitions and Unexpected Events

How is your family protected against risks like a disability, premature death, or lawsuit?
Who will take charge if you become incapacitated?
How would you handle a long-term medical issue if it were to arise in your family?

Define Estate and Legacy Plans

How much of your estate would you like to leave to loved ones? What values and lessons would you like to pass on?
How aware is your family of your wishes and their roles? What steps have you taken to formalize those arrangements?
Who will oversee your estate and make financial decisions?
Have you assigned a guardian for any minor children?

Optimize Tax Planning Strategies

What strategies are you using to reduce your tax liability?
How are you working with tax advisors to identify tax strategies?
How are you impacted by local and federal tax law changes?

Manage Family Dynamics

How do you define “family”?
What is your family’s plan for transitioning control of wealth and preparing the next generation?
What are the potential impacts of your wealth pan to your family’s well-being, their relationships with each other, and with you?
What have you communicated, or not communicated, regarding inheritance, involvement in the family business, or other topics?

Support Parents, Children, or Others

How do you currently support adults, parents, or children in your family, or do you anticipate needing to in the future?
What discussions have you had with your parents and/or adult children about future plans?
What plan do you have to transfer or gift wealth to your children or descendants. How are you preparing them to be ready, willing and able to manage this wealth?

Prepare or a Business transition or Acquisition

How do you see your business evolving in the future?
What are your thoughts about transitioning your business?
How prepared are you for business continuity under new management?
What future pans do you have for acquiring or starting new buiness ventures?

Strategic Use of Credit

How are you using credit to support your cash flow and liquidity needs?
Do you anticipate making any major purchases in the near future?
How is credit helping you leverage tax efficiencies?

What Else?

What other objectives and goals do you have?
What other issues are you concerned about?
What else do you want to acheive with your wealth?
Charitable giving?
What concerns do you have about your wealth?

To execute the plan with these solutions at the center, we offer strategic and tactical asset allocation and provide a range of investment solutions including cash, fixed income, equities, and alternative investments. And through it all, we offer attentive service and personal counsel. As your goals change, we can adjust your wealth management plan accordingly.

We aim to keep the number of client relationships at a level we’re comfortable with so that our advisors can provide the focus and one-on-one attention our clients expect and deserve. Furthermore, our efforts are always guided by a simple principle: our clients’ interests come first. Our experience shows that if we serve our clients well, our own success will follow.

_{Wells Fargo Advisors is not a legal or tax advisor.}