 |
Our goal is to help our clients succeed financially and work toward their goals with customized and timely advice. Regardless of your stage of wealth building, we work with you to select services (some examples below) which best fit your financial goals.
Portfolio management
Portfolio management
Ultimately, your portfolio is just one part of a dynamic strategy for the future, rather than a time capsule containing a collection of securities. We believe that—over the long term—a lower-risk strategy can yield a higher rate of return because it generally retains more value in the inevitable down markets. We believe that most successful strategies over a 10-year period are those with low volatility. Any successful strategy involves knowing what not to buy, avoiding risk, and a strict sell discipline.
Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
Advisory portfolio management
Advisory portfolio management
A Separately Managed Account (SMA) is an investment in stocks, bonds, cash, or other individual securities that is managed by a professional money manager. An SMA can be customized to address specific needs, such as tax efficiency or the exclusion of certain securities from your portfolio.
SMAs may offer unique advantages compared with other investments because they provide a level of service and sophistication that is generally only available to large institutions and very wealthy clients. They are typically offered within a consultative process that includes setting specific objectives, developing an investment plan, selecting investment managers, and monitoring your plan. These advantages include:
- Direct ownership of securities
- Managing tax consequences
- Customizing your portfolio
- Ongoing due diligence
- Comprehensive quarterly reports
Advisory accounts are not designed for excessively traded or inactive accounts and may not be appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document and the Investment Advisor’s Form ADV, Part II and/or advisory disclosure document for a full description of our services and the Investment Advisor’s services, including fees and expenses.
Legacy planning
Legacy planning
In partnering with you, we can discuss the critical life issues that are essential in creating a legacy. These can include long-term care insurance*, strategies designed to help minimize estate taxes while retaining control of your assets, and succession planning for business owners. We work closely with trust and estate planning and elder-care attorneys and would be happy to provide you with a list of professionals upon request.**
*Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
**Wells Fargo Advisors does not endorse these referrals and therefore gives no assurances as to the quality of their services.
Wells Fargo Advisors does not provide legal or tax advice. Be sure to consult with your own tax and legal advisors before taking any action that could have tax consequences. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice in your state.
Solutions for executives, financial professionals, and businesses
Solutions for executives, financial professionals, and businesses
Our team recognizes the unique needs of executives, financial professionals, and business owners. We offer years of expertise in navigating complex circumstances, including sale of a business, equity compensation programs, structured investments, and inheritance. Depending on your situation, we can suggest strategies to help hedge, monetize, or diversify concentrated equity positions.
We offer a full range of financial programs and choices to assist business owners, executives, and entrepreneurs with:
- Rule 144 restricted, control stock sales and corporate stock repurchase programs
- Strategies to balance alternative and private investments.
- Financing solutions
- Stock-option exercise and sale programs and employee-incentive stock option plans
- Corporate retirement programs including, define-benefit, profit sharing, money-purchase and supplemental deferred-compensation programs
- Succession planning for business (including buy-sell agreements) and key-person life insurance
- Investment advice on proceeds from sale of business
- Periodic seminars for plan participants
- Life insurance premium financing
Education planning
Education planning
When it comes to developing an appropriate educational plan for your children’s or grandchildren’s needs, there can often be a variety of options at your disposal. We talk through these options with you, and work with you to pick which options work best for your specific situation while also helping to maximize gift-tax deductions and helping retain control of earmarked assets while minimizing taxes.
Wells Fargo Advisors is not a legal or tax advisor. Be sure to consult with your own tax and legal advisors before taking any action that could have tax consequences.
Philanthropic and charitable giving
Philanthropic and charitable giving
We can work with you to understand your values and help bring your charitable goals to life with strategic recommendations for philanthropic giving plans. Additionally, we can help coordinate a meeting with your family to discuss charitable solutions that resonate with you. Our recommendations may include:
- Private foundations
- Gifting
- Donor-advised funds
- Charitable trusts
- Sustainable investments
Retirement plans for businesses
Retirement plans for businesses
We assist in implementing corporate retirement plan designs by objectively helping you select plan administrators, recordkeepers, and Third Party Administrators (TPAs). Corporate retirement plan options include 401(k)s, defined benefit, profit sharing, money purchase, SEPs, SIMPLE IRAs, single Ks, safe harbor plans, and supplemental deferred compensation programs.
Alternative investments
Alternative investments
We are focused on identifying ways to diversify portfolios and use strategies focused on unlocking value and/or complementing traditional allocation strategies. Hedge funds, private equity debt, and real estate options may provide diversification beyond publicly traded stocks or bonds in volatile markets.
Concentrated positions/low cost basis equity strategies
Concentrated positions/low cost basis equity strategies
We have experience developing a variety of concentrated investment strategies that may originate from a variety of sources including stocks that have outperformed, a company you may be/have been affiliated with, or one in which you inherited shares.
Important notice: You are leaving the Wells Fargo website
PLEASE NOTE: By clicking on this link, you will leave the Wells Fargo Advisors Web site and enter a privately owned web site created, operated and maintained by a third-party, which is not affiliated with Wells Fargo Advisors or its companies. The information and opinions found on this website have not been verified by our Firm, nor do we make any representations as to its accuracy and completeness. By linking to this Web site, Wells Fargo Advisors is not endorsing this third-party’s products and services, or its privacy and security policies, which may differ from Wells Fargo Advisors. We recommend that you review this third-party’s policies and terms and conditions to fully understand what information may be collected and maintained as a result of your visit to this website.