Our Services

The Kahl & Caltrider Investment Group of Wells Fargo Advisors is based in East Lansing, Michigan.

Our structure allows us to offer clients the following features:

  • Serve the needs of institutional investors with fixed income trading for municipalities, insurance companies, trust departments, and Registered Investment Advisors.
  • Guide families with professional life planning advice (The Envision® process)
  • Provide investors with tailored asset allocation strategies, tax-advantaged investments, and mutual funds.
Our style is conservative; based on the premise that there are no shortcuts to financial success.  We provide individuals and families with professional advice and portfolio asset allocation solutions utilizing equity and fixed income investments, tax-advantaged investments, and mutual funds. 

Helping our clients achieve their goals with investment plans that adhere to their needs, dreams, and risk tolerances is what we are about. 

Envision® methodology: Based on accepted statistical methods, the Envision tool uses a simulation model to test your Ideal, Acceptable and Recommended Investment Plans. The simulation model uses assumptions about inflation, financial market returns and the relationships among these variables. These assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulated 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors.  Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Elements of the Envision presentation and simulations results are under license from Wealthcare Capital Management LLC. © 2003-2021 Wealthcare Capital Management LLC. All Rights Reserved.  Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.
 
*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 or legal consequences.
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 result in the decliine in the bond's price. 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.  Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
Equities/ Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments.  An investment in the stock market should be made with an understanding of the risks associated with common stocks, including market fluctuations.

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 (AL, AZ, CA, CO, DC, FL, IL, IN, MA, MD, MI, MN, MO, MT, NC, NM, NV, NY, OH, OK, PA, SC, TN, TX, VA, WA, WI, WV). 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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© 2022 Wells Fargo Clearing Services, LLC. All rights reserved.

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