We serve individuals, institutions, and families in all areas of investment management, including:
• Investment selection: Determining your asset-allocation needs.* Helping you understand your risk tolerance. Choosing recommended investment vehicles to help you reach your goals.
• Portfolio management: Available through the advisor-managed Private Investment Management (PIM) program.**
• Retirement planning: Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you may need to retire comfortably. Managing assets before and during retirement.
• Income generation: Strategies to help create cash flow from the investments in your portfolio.
• Tax planning strategies: Help making sure your portfolio is tax-efficient. Referring you to qualified tax specialists.
• Risk management: Reviewing your specific situation for potential insurance needs.
• Concentrated equity strategies: Techniques to assist you when dealing with concentrated stock positions.
• Education funding: Recommending investment and accumulation strategies to help you pay for your children's education.
• Estate planning strategies:*** Working with estate-planning and trust specialists available through Wells Fargo and its affiliates to help review your wills and trusts, preserve your estate for your intended heirs, establish beneficiary designations, reduce potential exposure to estate taxes and probate costs and coordinate with your tax and legal advisors.
• Incorporating ESG factors: Investment options that consider Environmental, Social, and Governance factors.
* Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
** Fees for the PIM program include advisory services, performance measurement, transaction costs, custody services and trading. The Fees do not cover the charges and expenses of any Mutual Funds that may be purchased within the program and customary brokerage charges may apply to non-program assets. Fees are based on the assets in the account and are assessed quarterly. Fee-based accounts are not designed for excessively traded or inactive accounts, and may not be suitable for all investors. During periods of lower trading activity, your costs might be lower if our compensation were based on commissions. Please carefully review the Wells Fargo Advisors Financial Network advisory disclosure document for a description of our services and information on all fees and expenses. The minimum account size for this program is $50,000.
*** Martin Wealth Management, Inc. and Wells Fargo Advisors Financial Network are not tax or legal advisors. Transactions requiring tax consideration should be reviewed carefully with your accountant or tax advisor. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.
Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
‘Sustainable’ or ‘Social Impact’ investing focuses on companies that demonstrate adherence to environmental, social and corporate governance (ESG) principles, among other values. There is no assurance that social impact investing can be an effective strategy under all market conditions or that a strategy’s holdings will exhibit positive or favorable ESG characteristics. Different investment styles tend to shift in and out of favor. In addition, an investment’s social policy could cause it to forgo opportunities to gain exposure to certain industries, companies, sectors or regions of the economy which could cause it to underperform similar portfolios that do not have social policy. Risks associated with investing in ESG-related strategies can also include a lack of consistency in approach and a lack of transparency in manager methodologies. In addition, some ESG investments may be dependent on corporate tax incentives and subsidies and on political support for certain environmental technologies and companies. The ESG sector also may have challenges such as a limited number of issuers and liquidity in the market, including a robust secondary market. There are many factors to consider when choosing an investment portfolio and ESG data is only one component to potentially consider. Investors should not place undue reliance on ESG principles when selecting an investment.