Our Envision® planning process lets us map a realistic financial course designed to help you prioritize and achieve your most important goals through various stages of life.
Based on your objectives, risk tolerance, investment time horizon and current financial situation, we assist you in developing a plan of action and asset allocation that is suitable for your objectives without exposing you to unnecessary risk.
Establish customized benchmarks unique to your plan and objectives to chart your progress toward reaching your goals.
Adjust your plan as necessary to account for life’s changes, new opportunities and unexpected events.
The Envision Target Zone serves as a foundational tool.
As your goals change, or life events create a need, we use Envision process to re-evaluate how these changes affect your priorities.
The first-year college tuition bill in 2033 is projected to be $31,349* for an in-state average public education institution and $73,472 for an average private institution. Building the assets you’ll need to fund a child’s or grandchild’s education is a challenge, but you may be able to meet it by contributing to a 529 plan.Learn More
How you manage your capital gains and losses and the type of dividends generated by your portfolio can play a major role in determining your after-tax return. To help get the greatest benefit from current tax law, there’s important information you need to understand.Learn More
Market fluctuations can make it difficult to determine the best time to invest. A widely accepted investment strategy called dollar cost averaging can help smooth out market fluctuations. The key to this long-term strategy is persistence. Whether the market rises or falls, dollar cost averaging can work in your favor.
When you sell an investment at a loss, the IRS lets you deduct the loss from other capital gains. If you want to continue to be invested in the security the IRS’s wash sale rule requires you to accept the risk of being out of the investment for 30 days either before or after the date when the transaction occurs creating the loss.
When you are a Plan Administrator or a trustee as a named fiduciary for a qualified plan, you must comply with all ERISA rules. Failure to properly execute your fiduciary duties may result in IRS-levied penalties or plan disqualification. The items here highlight many of the common concerns associated with qualified plans.View
The IRS requires all individuals, regardless of their age, to file an income tax return when their income meets minimum thresholds. This requirement extends to your children.Learn More
As fewer companies offer pensions and Social Security makes up less of the average retiree’s income, you will have to rely more on your own savings for retirement. Making contributions to IRAs and workplace retirement plans (WRP), such as a 401(k), 403(b), SEP IRA, or SIMPLE IRA is an easy way to save for retirement.
The Wells Fargo Advisors Fixed Income Trading Team offers clients the support of knowledgeable, experienced professionals, state-of-the-art trading technology, and a high degree of price transparency. Your financial advisor can help you choose from our extensive lineup of fixed income securities, which includes direct access to the inventories of external broker dealers.Learn More
The cost of sending just one child to college for four years can be staggering, and tuition and fee hikes regularly outpace inflation. Rather than sending your children or grandchildren into the world with the burden of student-loan debt, you can save to help cover at least a portion, if not all, of their higher-education expenses.Learn More