Our Wealth Management Services
We offer a wide range of financial products and services to individuals and business owners. By combining this with sound financial advice, we believe you will be better able to identify your goals and make informed decisions to help reach them.
Retirement Planning Services | Our retirement planning services are designed to allow you to identify your specific retirement goals and develop a plan to help you achieve them. We assist in managing all aspects of your transition from working to retirement, such as balancing the need for a predictable cash flow and your desire to leave a legacy. You also have the flexibility to adjust your plan as necessary to help financially support your desired pre- and post-retirement lifestyle.
Tax Planning Strategies* | While there are many different tax mitigation strategies to consider – such as tax loss harvesting, charitable giving, tax efficient income, exemptions and deductions – we believe an optimal place to start is often determining the changes that may be best for your overall unique situation. With your overall portfolio strategy and long-term objectives in full context, there are a variety of sound tactics you can use to seek to minimize tax liabilities.
Our team will provide you with an investment perspective on various tax and estate strategies you may be considering and refer you to qualified tax specialists. We also suggest talking to your tax advisor.
Estate Investment Planning Strategies** | We will review your current estate plan to help ensure it is up to date and properly structured according to your objectives for you, your family and your wealth. This includes planning for the successful transfer and distribution of your assets to help you feel confident family members will be cared for and your wishes will be followed. Our team can help you integrate your investment and estate plans, or evaluate potential strategies from a tax-efficieny perspective as a component of wealth transfer planning.
Education Funding | We provide analysis to help you to determine approximate costs and identify an appropriate tax-advantaged funding option, whether a 529 Plan, an Coverdell ESA (also known as an Education Savings Account), a Custodial Account, a Children's Trust, or another method.
Risk Management*** | Insurance protection is a crucial component of a comprehensive, long-term wealth plan. Because your financial future depends on a variety of uncontrollable circumstances, we provide you with access to a wide range of insurance coverages that can protect your wealth by helping with unforeseen costs and losses. These include disability, life and long-term care insurance. We will also review your existing insurance policies.
Investment Planning**** | We help clients develop a strategic and tactical portfolio asset allocation which seeks to manage risk and enhance potential returns. That’s because a properly allocated portfolio may be more likely to participate in long-term market gains while limiting exposure to short-term market volatility.
Alternative Investments***** | We can also offer qualified purchasers the opportunity to participate in private capital, private real estate, and other alternative investment vehicles.
Business Advisory Services | We work with you and your other professional advisors to assess your unique situation and recommend investment strategies designed to help increase your business valuation and personal net worth. If you’re growing, buying or selling a business, we will help explain the wide scope of options and assist you in making complex investment decisions.
Employee and Executive Benefits | A proper benefits plan can be an important recruiting and retention tool. We help you review the benefits your business offers – including retirement, health care, stock incentive plans, nonqualified deferred-compensation plans and employee-retention strategies – from the perspective of both employer and employee.
Access to Liability Management Solutions Through Wells Fargo Affiliates****** | Through Wells Fargo affiliates we can provide access to lending and banking solutions to help ensure you are working in alignment with your broader financial strategy.
Charitable Giving | Ranch Investment Consulting Group helps individuals and families define their charitable and philanthropic objectives, in addition to offering potential strategies to help achieve those goals in a tax-advantaged manner.
Tax Planning Strategies* | While there are many different tax mitigation strategies to consider – such as tax loss harvesting, charitable giving, tax efficient income, exemptions and deductions – we believe an optimal place to start is often determining the changes that may be best for your overall unique situation. With your overall portfolio strategy and long-term objectives in full context, there are a variety of sound tactics you can use to seek to minimize tax liabilities.
Our team will provide you with an investment perspective on various tax and estate strategies you may be considering and refer you to qualified tax specialists. We also suggest talking to your tax advisor.
Estate Investment Planning Strategies** | We will review your current estate plan to help ensure it is up to date and properly structured according to your objectives for you, your family and your wealth. This includes planning for the successful transfer and distribution of your assets to help you feel confident family members will be cared for and your wishes will be followed. Our team can help you integrate your investment and estate plans, or evaluate potential strategies from a tax-efficieny perspective as a component of wealth transfer planning.
Education Funding | We provide analysis to help you to determine approximate costs and identify an appropriate tax-advantaged funding option, whether a 529 Plan, an Coverdell ESA (also known as an Education Savings Account), a Custodial Account, a Children's Trust, or another method.
Risk Management*** | Insurance protection is a crucial component of a comprehensive, long-term wealth plan. Because your financial future depends on a variety of uncontrollable circumstances, we provide you with access to a wide range of insurance coverages that can protect your wealth by helping with unforeseen costs and losses. These include disability, life and long-term care insurance. We will also review your existing insurance policies.
Investment Planning**** | We help clients develop a strategic and tactical portfolio asset allocation which seeks to manage risk and enhance potential returns. That’s because a properly allocated portfolio may be more likely to participate in long-term market gains while limiting exposure to short-term market volatility.
Alternative Investments***** | We can also offer qualified purchasers the opportunity to participate in private capital, private real estate, and other alternative investment vehicles.
Business Advisory Services | We work with you and your other professional advisors to assess your unique situation and recommend investment strategies designed to help increase your business valuation and personal net worth. If you’re growing, buying or selling a business, we will help explain the wide scope of options and assist you in making complex investment decisions.
Employee and Executive Benefits | A proper benefits plan can be an important recruiting and retention tool. We help you review the benefits your business offers – including retirement, health care, stock incentive plans, nonqualified deferred-compensation plans and employee-retention strategies – from the perspective of both employer and employee.
Access to Liability Management Solutions Through Wells Fargo Affiliates****** | Through Wells Fargo affiliates we can provide access to lending and banking solutions to help ensure you are working in alignment with your broader financial strategy.
Charitable Giving | Ranch Investment Consulting Group helps individuals and families define their charitable and philanthropic objectives, in addition to offering potential strategies to help achieve those goals in a tax-advantaged manner.
* Wells Fargo Advisors is not engaged in rendering legal, accounting, or tax-preparation services. Specific questions as they relate to your situation should be directed to your legal and tax advisors.
** Wealth & Investment Management (WIM) offers financial products and services through bank and brokerage affiliates of Wells Fargo & Company. Bank products and services are available through Wells Fargo Bank, N.A. Wells Fargo Trust is a part of WIM and offers services through Wells Fargo Bank, N.A. and Wells Fargo Delaware Trust Company, N.A.
*** Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
**** No investment strategy can assure a profit. All investing involves risk, including the possible loss of principal.
***** Alternative investments, such as hedge funds, private capital/private debt funds and private real estate funds, are not suitable for all investors and are only open to “accredited” or “qualified” investors within the meaning of the U.S. securities laws. They are speculative, highly illiquid, and are designed for long-term investment, and not as trading vehicles. They are intended for qualified, financially sophisticated investors who can bear the risks associated with these investments. Investors should read the fund’s offering documents prior to investing.
****** Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.
** Wealth & Investment Management (WIM) offers financial products and services through bank and brokerage affiliates of Wells Fargo & Company. Bank products and services are available through Wells Fargo Bank, N.A. Wells Fargo Trust is a part of WIM and offers services through Wells Fargo Bank, N.A. and Wells Fargo Delaware Trust Company, N.A.
*** Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
**** No investment strategy can assure a profit. All investing involves risk, including the possible loss of principal.
***** Alternative investments, such as hedge funds, private capital/private debt funds and private real estate funds, are not suitable for all investors and are only open to “accredited” or “qualified” investors within the meaning of the U.S. securities laws. They are speculative, highly illiquid, and are designed for long-term investment, and not as trading vehicles. They are intended for qualified, financially sophisticated investors who can bear the risks associated with these investments. Investors should read the fund’s offering documents prior to investing.
****** Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.