Resources to Serve Your Full Financial Life 

Our team’s depth of knowledge and vast experience enable us to deliver simplified strategies for an increasingly complex world. These strategies are designed to help grow our clients’ net worth, preserve their lifestyle, and the future they envision.

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Investment Planning

We are committed to providing you with informed perspectives and tailored approaches to your needs and challenges. As your trusted advisors, we begin with a deep understanding of your financial priorities and then apply appropriate financial solutions to help optimize your wealth. Together, we can explore your needs regarding wealth planning as we work to help you build, manage, preserve, and transition your wealth.

Cash Flow Management

Managing debt and maintaining your lifestyle over the long term can be challenging. Without a reasonable budgeting plan, it can be difficult to effectively manage spending, but our team can help you compare your income to your expenses in order to determine your net cash flow. And for business owners, we strive to maximize the success and profitability of your business by helping you manage your business cash flow and provide the advice it needs to thrive. 

Pre- and Post-Retirement Planning

Our retirement planning services are designed to allow you to identify your specific retirement goals and develop a plan to help you achieve them. We assist in managing all aspects of your transition from working to retirement, such as balancing the need for a predictable cash flow and your desire to leave a legacy. You also have the flexibility to adjust your plan as necessary to financially support your desired pre- and post-retirement lifestyle.

Risk Management

For each of your investing goals, we will work with you to understand your time horizon and your risk/return profile. In an effort to optimize returns and mitigate risk, we consider:
  • Tax efficiency based on your specific situation and goals
  • Your need to grow assets, preserve capital, and generate income
  • Investment horizon for specific financial goals
Then to help you achieve your particular goals, your portfolio is reviewed by investment managers and risk management teams.

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Wealth Protection Strategies

Insurance protection is a crucial element of a comprehensive, long-term investment plan. Because your financial future depends on a variety of uncontrollable circumstances, we provide you with access to a wide range of insurance coverages that can protect your financial security by helping with unforeseen costs and losses. These include disability, life, and long-term care insurance. We will also review your existing insurance policies.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

Estate Planning Strategies

We will review your current beneficiary strategies to help ensure that it is up-to-date and designed in a way to transfer your wealth as you wish. This includes planning for the successful transfer and distribution of your assets so you know your family members will be cared for and your wishes will be followed. Our team will work with your tax and legal advisors to help you integrate your investment and estate plans.

Legacy and Charitable Giving Strategies

As tax laws change, it’s important to evaluate your charitable giving strategies to maximize your tax benefits. In addition to your philanthropic efforts, it’s likely you’ll one day want to shift some of your focus to your legacy, part of which can be attributed to supporting future generations. We are here to provide you with a customized investment strategy that’s built with a full understanding of your family’s dynamics.

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Trust and Fiduciary Services

You want to provide for your heirs and protect what you’ve spend a lifetime building. But without thoughtful planning and responsible stewardship wealth usually dissipates by the third generation. So how can you help ensure that your wishes will be honored?

With our comprehensive range of trust and fiduciary services, we can provide custom strategies for retaining your wealth, as well as dedicated resources for disbursing your wealth in the way you want it to be shared. Your relationship manager will coordinate an experienced team of fiduciary professionals who bring specialized knowledge and a deep commitment to carrying on your legacy.

Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.

Small Business Retirement Plans

We utilize a consultative process to improve a plan’s efficiency and performance, which typically encompass pricing, transparency, plan design, and investment lineup. We focus on “retirement readiness” for our clients’ employees, along with investment management, plan management, and plan evaluation for the Plan Sponsors. The minimum objective goal is a reduction in fiduciary liability with the ultimate goal of maximizing participant outcomes and ensuring the plan is truly seen as a “benefit” by your employees.

To that end, we employ a number of analytical tools to review investment performance and fees. And because employee participation is essential to the health of the overall plan, we actively engage employees in a number of communication strategies to keep their level of interest high.

Selling a Business

We work with business owners to address concerns such as succession planning, diversifying wealth outside of the business, and improving or establishing a company retirement plan. Navigating the current regulatory environment – especially in regard to the Department of Labor and the fiduciary rule – can be challenging. We help small business owners comply with their fiduciary obligations and provide advice to maximize the adoption and utilization of their business’ retirement plan.

We know that you care for your employees and want to create a positive place to work as a business owner. If you plan to transition out of your business or if you need to create a retirement plan for your employees, we can help you navigate the complexities of managing your business finances. We’ll help you ensure that your personal wealth is well-managed so that your company can continue to grow.

Corporate Executives

As a veteran professional or C-suite executive, you’ve made a career for yourself in a company, having worked hard for years to increase your wealth. You’ve likely started a family and want to make sure they are protected, in addition to ensuring you’ll be able to provide for them as they continue to grow.

To meet these needs now and in the future, we can work with you to build a comprehensive investment plan and strategy, balance your competing priorities with one another, and establish a tax-efficient strategy for your retirement plan. Executive compensation plans often come up with non-qualified deferred compensation, stock option awards, concentrated shares, and rules around when restricted shares can be sold. Therefore, we help take inventory of and organize these compensation benefits to find the optimal strategy to maximize wealth.

Nonprofits and Endowments

When combined with spending policy, asset allocation decisions can be the difference between long-term success or short-term failure for anyone, but this is especially true for nonprofits and endowments. With an ever-increasing budget, tenuous donor base, and dependence on grants and charitable gifts, board members are hard-pressed to find a financial balance. Our investment management and cash flow modeling capabilities help boards make sound financial decisions to enhance the probability of long-term success.