Depending on the circumstances of each client’s family, career, and life, the recommendations we give them are going to vary from one to the next. Our services and solutions are vast, but they are only suggested to you if we believe they will be valuable in enhancing your health and wealth.
We love helping our clients effectively and efficiently accomplish their philanthropic objectives. Through innovative planning – as well as access to strategic philanthropic consultants within WIM’s Family Wealth & Culture services – socially and environmentally conscious individuals can invest their capital and expertise to improve their communities and also earn a financial return. We will help clarify your vision for how to use your wealth to positively impact your family and your community while achieving alignment with your overall wealth management strategy.
As you approach retirement, how should you adjust your savings plan to optimize income in retirement? By building deep relationships with you and your family, we combine the strengths of our team members to help you manage your wealth. With retirement approaching, your plan must be adjusted and strategies put in place to provide you with the retirement income you need.
We know you’ve worked hard to make your business succeed. When considering what comes next – whether it’s an expansion or the sale of your business – you can feel confident that our team has the experience, skills, and access to the necessary knowledge to guide you through every stage of the process.
As investors continue to realign their values on health and wealth, they are living longer and forming greater expectations for the life they imagine. Based on intimate conversations with you and your loved ones, we focus on providing the income, liquidity, and cash flow you need today and to sustain your lifestyle long after you have left the workforce.
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 strategies 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.
We can help review your current beneficiary strategies to help ensure they are 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, and we also have access to in-house estate attorneys.
As a formerly practicing CPA, Noah Rubin’s approach focuses on forward-looking and effective tax management and general tax awareness. As tax laws ebb and flow, it’s important for you to know how to navigate these changes in order to maximize your benefits with investments, retirement plans, lines of credit, and other assets. On your behalf, we analyze investments and income and how they are likely to be treated from a tax standpoint.
In our experience, fear and greed often drive clients’ money-based decisions, and thus, behavioral finance considers the role that psychology and emotions play in investment decision-making. One common bias is the tendency to chase winners and losers – that is, chasing the previous year’s top-performing asset class or worst-performing asset class. Historically, following the best and worst asset classes does not result in exceeding returns. It’s a bit like a fad diet, in that you’ll hear about it often and you may want to join in yourself, but most doctors would tell you consistency and variety in your diet is key. Thus, we tend toward globally diversified portfolios for our clients, which we review and rebalance regularly.
Utilizing the Envision® planning process, we set an appropriate asset allocation strategy – so you’re never taking on more risk than necessary – to pursue your goals and objectives. We also consider adding life, disability, and long-term care insurance solutions to help protect you and your family from the unexpected.
Insurance is like eating healthy and exercising. It helps protect and preserve the life you’re always building on. Specifically, life insurance helps safeguard the income your family depends on. It can also be used for creating a source of supplemental retirement income, as well as for business or legacy planning. As you can imagine, there’s a lot to consider – including how much you need, what kind you need, and more – and we can refer you to experienced independent professionals who will review the possibilities with you and help determine the best solution.
Through Wells Fargo Bank N.A., you have access to lending products and services, including securities-based financing, residential mortgages, business financing, and credit cards.**
Residential Mortgages offered through Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.
For 30 minutes once each month, we are proud to work with your next of kin on honing their financial skills. This often includes developing practical skills and an understanding of financial matters, helping them build confidence in making informed financial decisions, and working with them to grow toward becoming prudent stewards of wealth.
With our years of experience in trust services, we help you use your wealth to support the people and the causes you care about. We hold ourselves to the fiduciary standard of care, putting your needs above our own at every turn. We can also work closely with your attorney, accountant, and other professionals to coordinate the services you need through Wells Fargo affiliates.
*Diversification and asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
**Credit cards are issued by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company and are subject to credit approval, verification and collateral evaluation.
1Wells Fargo Bank, N.A. offers various advisory and fiduciary products and services including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, a separate non-bank affiliate, may be paid an ongoing or one-time referral fee in relation to clients referred to the bank. The bank is responsible for the day-to-day management of the account and for providing investment advice, investment management services and wealth management services to clients. The role of the Financial Advisor with respect to the Bank products and services is limited to referral and relationship management services. Some of The Private Bank experiences may be available to clients of Wells Fargo Advisors without a relationship with Wells Fargo Bank, N.A.
2Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.
3Wells Fargo Private Bank provides products and services through Wells Fargo Bank, N.A., Member FDIC, and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.