How I provide advisory services

Throughout your customized advisory process, I regularly communicate with you and provide reviews every step of the way.

Crafting & customizing your plan:

• Develop financial goals and determine investment objectives on a holistic and individualized level

• Create timeline for income sources, saving, and spending – identify time horizon for achieving goals

• Determine risk tolerance and expected rate of return

• Use data to analyze existing investments and make recommendations about asset allocation – create strategy for tax- and cost-efficiency

• Select investments and manager(s)

• Find ways to reduce taxable income – establish what taxes will be incurred when you buy/sell investments

• Provide access to variety of retirement accounts (IRA, Roth, 401(k), etc.)

• Establish cash management strategies

• Provide any/all necessary wealth management services – charitable giving, intergenerational gifting, insurance, annuities, access to lending services through Wells Fargo affiliates, etc.)

Fees

The advisory fee is only based on the value of your account. They cover:

Advisory services: Ongoing advice on policies, tax situations, cash flows, and life-changing events

Performance measurement: Regular monitoring and performance reporting of your portfolio(s)

Transaction Costs: Usual commissions and transaction costs associated with management of your portfolio(s)

Custody services: Retirement account custody services

Trading: No additional cost to you for executing securities transactions, no matter how frequent trading occurs