Our Services
Planning for and embarking on retirement can be both an exciting and anxious time for clients. When considering both the possibilities and risks, the importance of having a plan based on informed decisions is paramount. We believe a more comprehensive knowledge base and planning process is required. Solving for retirement income has more variables and potential strategies when compared to the accumulation phase that precedes retirement. We have a specific and detailed process called Envision® that will help address your concerns and questions and will incorporate individual preferences to seek to reduce anxiety. We address Market/Return Risks, Withdrawal Rate Risk (i.e. Spending Behavior), Inflation Risk, Healthcare/Unexpected Expenses and Longevity Risk.
ENVISION®
The Envision planning process combines goal-based advice with sophisticated statistical modeling, Wells Fargo Advisors' unique Envision process creates an effective, easy-to-understand method for you to prioritize and achieve important life goals. Ultimately, the Envision process helps you live the one life you have the very best way you can, without undue financial sacrifice or over exposure to risk.
FINANCIAL STRATEGY ACTION PLAN (FSAP)
As a compliment to Envision, the FSAP brings together all of your key financial considerations. The FSAP allows us to address retirement, investment strategy, cash flow, liability management and education funding and estate planning strategies. We collect an array of financial information and those financial people that are important to you and your heirs. It is the information that we need to know to help make your Envision plan successful.
WHO WE SERVE
At Merkel-Damer Financial Strategies Group of Wells Fargo Advisors, we are particularly sensitive to the needs of women, especially those in transition and the LGBTQ community. We welcome all who need a comprehensive plan for their future. Everything we do is in the best interest of all parties involved. Our minimum household size is $250,000 in financial assets. In certain circumstances, there may be an exception to that minimum.
HOW WE CAN HELP
We focus in helping you navigate life's changes such as divorce, death of a loved one, job change, retirement, changing directions in mid-life, getting married, welcoming a child or grandchild to the family or taking care of aging relatives. All of these circumstances can be handled with careful planning.
SERVICES PROVIDED...
Strategic Planning
The Envision planning process combines goal-based advice with sophisticated statistical modeling, Wells Fargo Advisors' unique Envision process creates an effective, easy-to-understand method for you to prioritize and achieve important life goals. Ultimately, the Envision process helps you live the one life you have the very best way you can, without undue financial sacrifice or over exposure to risk.
FINANCIAL STRATEGY ACTION PLAN (FSAP)
As a compliment to Envision, the FSAP brings together all of your key financial considerations. The FSAP allows us to address retirement, investment strategy, cash flow, liability management and education funding and estate planning strategies. We collect an array of financial information and those financial people that are important to you and your heirs. It is the information that we need to know to help make your Envision plan successful.
WHO WE SERVE
At Merkel-Damer Financial Strategies Group of Wells Fargo Advisors, we are particularly sensitive to the needs of women, especially those in transition and the LGBTQ community. We welcome all who need a comprehensive plan for their future. Everything we do is in the best interest of all parties involved. Our minimum household size is $250,000 in financial assets. In certain circumstances, there may be an exception to that minimum.
HOW WE CAN HELP
We focus in helping you navigate life's changes such as divorce, death of a loved one, job change, retirement, changing directions in mid-life, getting married, welcoming a child or grandchild to the family or taking care of aging relatives. All of these circumstances can be handled with careful planning.
- Pre-Retirement Planning
- In Retirement Planning
- Domestic Partnership Planning
- Education Planning
- Longevity Planning
SERVICES PROVIDED...
Strategic Planning
- Envision or eMoney® Plan
- Financial Strategy Action Plan
- Balance Sheet Strategies
- Pension & Social Security Strategies
- Critical Event Strategies
- Risk Management Strategies
- Income Planning Strategies
- Tax-efficient Investment Strategies
- Domestic Partner Planning
- Medicare Planning
- Estate Planning Strategies
- Veterans Benefit Analysis
- Financial Statement Review
- Portfolio Design
- Rebalancing Strategies
- Women in Transition
- Education Planning
- Retirement Planning
- Elder Planning
- Survivor Planning
- Philanthropic Planning
- Financial Advice
- Market Information
- Client Education
- Second Opinion for Friends & Family
- Concierge and lifestyle services
We believe the potential of women entrepreneurs for spurring economic growth has not been fully realized.
These numbers are staggering especially in light of the fact Women-Owned Business is one of the largest growing market segments.
These numbers are staggering especially in light of the fact Women-Owned Business is one of the largest growing market segments.
:: Women-owned business had an estimated $1.9 trillion in receipts, 10.9 million employees and $432.1 billion in annual payroll according to the Census Bureau
(Nov 2022).
:: Women-owned businesses did very well in 2022. Their earnings rose by 27% which is higher than male-owned firm’s growth (22%) from over the year prior.
:: Services (except Public Administration) is the largest category of businesses represented with nearly 28.9% of the women-owned companies classifying as this
top industry.
:: The funding acceptance rate was close between men-owned businesses (37%) and women-owned business (41%).
(Nov 2022).
:: Women-owned businesses did very well in 2022. Their earnings rose by 27% which is higher than male-owned firm’s growth (22%) from over the year prior.
:: Services (except Public Administration) is the largest category of businesses represented with nearly 28.9% of the women-owned companies classifying as this
top industry.
:: The funding acceptance rate was close between men-owned businesses (37%) and women-owned business (41%).
Source: Annual Biz2Credit Women Owned Business Study Biz2Credit.com/Research-Reports