 Financial Advice and Guidance – We listen to the questions that are top of mind for you and help you get access to the information and resources you need to make informed decisions with confidence. In so doing, we leverage over decades of experience working with hundreds of clients to help you avoid costly mistakes and implement actionable plans to help you achieve your goals.


 Investment planning – We take the time to understand what’s most important to you, assess your risk tolerance, and understand your investment objectives to construct a diversified portfolio of investments designed to work together to achieve your goals. This can include ongoing professional portfolio management, tracking your progress against your customized goals through our Financial Strategy Reviews and planning process.

 Retirement planning – Our goal is to see you retire with confidence on your terms. We can help you understand the investments choices offered with your employer sponsored retirement plans, IRAs, and other benefits. If you are transitioning from one company to another, we can help you understand your 401(k) distribution options so you are informed about alternatives available to you. Through our investment planning process, we simulate different market environments that could put your retirement at risk and identify potential strengths, opportunities and watchouts in your plan. Within a year your retirement, when decisions become really real, we help you tackle income planning, when to take Social Security, and health care choices including long-term care in your golden years. And of course, we can continue to professionally manage your investments and are there for you in your retirement.


 Business Planning and Personal Wealth Planning for Business Owners - Transitioning the ownership of your business is complex, can be difficult, and is often a once-in-a-lifetime event. Your business is likely the single largest asset on your balance sheet. As a result, planning for your future naturally requires planning for the future of your business. In conjunction with Wells Fargo affiliates including the Wells Fargo Private Bank Experience*, we can assist you with business valuations, succession planning, and the management of your investments before, during and after the transition.


 Our Valued Client Review – This flagship experience is available to clients with at least $10M of investible assets. It is ideal for our clients who are individual investors, corporate executives, business owners and families that would like to take a deep dive into their financial lives. This comprehensive experience leverages a highly qualified team of wealth managers, estate planning attorneys, CPAs and Insurance Specialists under the direction of Mitchell J. Gravelle, CFP® Managing Director –Investments, to develop a comprehensive plan for you and your family based on your unique goals and circumstance.  


 Liability and Liquidity Management - We can help you evaluate both sides of the balance sheet – asset and liability management. Through Wells Fargo affiliates, we can help you get access to the resources you may need to assess if your mortgage terms or refi terms are competitive and can refer you to our trusted mortgage specialists for new mortgages.  We may also be able to help you solve liquidity challenges with solutions like our Priority Credit Line**, which may allow you access to liquidity without liquidating your securities prematurely.


 Insurance Planning *** – Our Financial Advisors are licensed to offer Life Insurance, Long-Term Care Insurance and Fixed and Variable Annuities. In so doing, we can help you assess the benefits of using insurance to protect your wealth, as a tax-deferred and/or tax- free distribution asset and as a wealth replacement strategy for you and your family. We can offer you a second opinion on your insurance policies assessing the potential benefits and gaps in your existing policies and make actionable recommendations. We can also help you assess the benefits of long-term care for your unique situation and evaluate if annuities may be a suitable and dependable income stream for you in retirement.

IMPORTANT: The projections or other information generated by [name of investment analysis tool] 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. Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.

*The Wells Fargo Private Bank (The Private Bank) experience connects clients with products and services provided by Wells Fargo Bank, N.A. and/or Wells Fargo Advisors. Wells Fargo Bank, N.A. provides investment management services as part of its trust and fiduciary services, deposit products, lending products and other bank products. Wells Fargo Advisors provides investment advisory and brokerage services. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, may be paid an ongoing or one-time referral fee in relation to clients referred to the Bank. For Bank products and services, the Bank is responsible for the day-to-day management of any referred accounts. Eligibility for The Private Bank experience is subject to change without prior notice. Products and services may have qualification or pre-acceptance requirements that are different than the eligibility requirements for The Private Bank experience.

**Wells Fargo Bank Priority Credit Lines are offered by Wells Fargo Bank, N.A. as the lender, in partnership with Wells Fargo Clearing Services LLC as agent, servicer and intermediary holding the collateral accounts.

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