You change as you age. You may switch jobs, see your earnings fluctuate and shift priorities. But even if you believe you should update your investment strategy when life changes, you may not have the time or confidence to do it yourself.
Our advisors can work with you to develop a plan that adapts to life's stages.
Our advisors can work with you to develop a plan that adapts to life's stages.
When You’re Accumulating…
You may want to grow your skill sets, a family and your salary. How you spend and save your money now may make a major difference later in life. We provide:
- Foundational financial literacy to help you think thoughtfully about your wealth
- Investment portfolios designed with tax-efficiency in mind
- We can provide access to lending and banking solutions through Wells Fargo affiliates to help ensure you are working in alignment with your broader financial strategy.
- Equity compensation strategies designed to help avoid costly surprises
Wells Fargo Advisors does not provide legal or tax advice.
When Retirement Is Becoming Real…
Panic might set in. “Have I saved enough?” “How much can I spend?” We can help you manage these concerns by:
- Evaluating portfolio risk
- Shifting your investment strategy to help meet income needs
- Map out healthcare and other retirement expenses, then updating your strategy accordingly
When Your Golden Years Arrive…
Preservation is often priority. You don’t want to merely survive — you want to thrive after working decades that lead to this exciting chapter. We help you make the most of this life stage with:
- Retirement income planning
- Social Security and other benefits analysis to help maximize lifetime benefits
- Sequencing retirement funds withdrawals for tax-efficiency.
- Business buy-sell agreements
- Succession and exit planning
Wells Fargo Advisors does not provide legal or tax advice.
When You’re Focused on Your Legacy…
You may want to transfer your assets fairly, swiftly and tax-efficiently. We help you plan for a legacy you can be proud of with:
- Estate planning strategies that lay out your wishes and directives
- Coordination with your attorneys and CPAs
- Family dynamics meetings to promote shared values and generational harmony
- Tax-smart gifting and philanthropy strategies, such as Donor Advised Funds (DAFs) and Qualified Charitable Distributions (QCDs) among others.
Wells Fargo Advisors does not provide legal or tax advice.
Guidance for Life’s Defining Moments
We’re happy when clients call us to get our advice about the moments and decisions that can influence their future, such as:
- Buying a house or car
- How moving to a different state would affect their investment strategy
- What to do with an unexpected windfall, refund or other lump sum
- How to save for education
- Budgeting for healthcare costs
Donations are irrevocable charitable gifts. The sponsoring organizations maintaining the fund have ultimate control over how the assets in the fund accounts are invested and distributed. Donor Advised Funds donors do not receive investment returns. The amount ultimately available to the Donor to make grant recommendations may be more or less than the Donor contributions to the Donor Advised Fund. While annual giving is encouraged, the Donor Advised Fund should be viewed as a long-term philanthropic program. Tax benefits depend upon your individual circumstances. You should consult your Tax Advisor. While the operations of the Donor Advised Fund and Pooled Income Funds are regulated by the Internal Revenue Service, they are not guaranteed or insured by the United States or any of its agencies or instrumentalities. Contributions are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Donor Advised Funds are not registered under federal securities laws, pursuant to exemptions for charitable organizations.
Wells Fargo Wealth and Investment Management (WIM) offers financial products and services through bank and brokerage affiliates of Wells Fargo & Company. Bank products and services are available through Wells Fargo Bank, N.A. Wells Fargo Trust is a part of WIM and offers services through Wells Fargo Bank, N.A. and Wells Fargo Delaware Trust Company, N.A.
