 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 Envision Planning Process™ and scheduled reviews.


 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 Wells Fargo Private Bank, 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 – his flagship experience is available to clients with at least $10M of investible assets. It is ideal for our client 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® Senior Vice President –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.


<sup>*IMPORTANT: The projections or other information generated by Envision and e-Money 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. Envision and E-money’s methodologies: Based on accepted statistical methods, the Envision tool uses a simulation model to test your Ideal, Acceptable and Recommended Investment Plans. The simulation model uses assumptions about inflation, financial market returns and the relationships among these variables. These assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Elements of the Envision presentations and simulation results are under license from Wealthcare Capital Management LLC. © 2003-2020 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.

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