ralph and chris
As professional Financial Advisors, Ralph Krumins and Chris McGee believe clients should feel confident in their financial future, and Ralph and Chris strive to build life comfort with long-term, goals-based planning. Their holistic approach to wealth management goes beyond investing to address current and long-term financial needs, including lifetime income planning, investment management, estate planning strategies and trust services. Because they believe in providing effective, unbiased advice - not selling products - Ralph and Chris believe fee-based investing offers an unmatched opportunity to serve clients in a cost-effective manner.
Ralph and Chris begin each relationship by developing a deep understanding of your goals, circumstances and risk tolerance. Then, they use Wells Fargo Advisors' dynamic Envision® process to create and implement a customized investment plan designed to maintain your lifestyle while building dependable, meaningful long-term results and a reliable lifetime income stream. Finally they work with you, on an ongoing basis, to monitor and adjust the plan.
Wells Fargo Advisors is not a legal or tax advisor.
IMPORTANT: The projections or other information generated by Envision regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.
*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 simulates 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 tothe 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 presentations and simulation results are under license from Wealthcare Capital Management LLC. © 2003-2018 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.