At Wells Fargo we take pride in the plethora of services we have access to for our clients; these services give us the ability to help solve our clients’ goals.

Access to Additional Services:

Executive Services

• Provide education on who is impacted and the requirements of a “144 affiliate.” Assist with preparation and filing.

• Educate clients on best practices, design and monitor the implementation of 10b5-1 trading programs.

• Assist clients with understanding various benefits, evaluate strategic approaches considering their overall exposure to company stock while considering regulatory concerns and issuer policies.

• Address questions and participate in client meetings on a variety of topics related to equity compensation benefits at publicly traded companies.

Lending Services

• Securities-based borrowing products help clients access liquidity without disrupting their long term investment strategies. Clients borrow using eligible securities as collateral, and as long as their account has sufficient eligible securities to use as collateral, this type of credit line may be easier to obtain and more cost-effective than other alternatives.

• Mortgage financing is available through Wells Fargo Home Mortgage and their teams of local and centralized home mortgage consultants (HMCs) and Private Mortgage Bankers (PMBs). Financing is available for primary homes, second homes, and investment properties.

• A Wells Fargo Home Equity Line of Credit Account is secured by a lien against residential real estate and gives clients the opportunity to borrow against their home's equity for home improvement projects, large purchases, and other unexpected expenses. As a multi-purpose credit alternative, it offers a variety of interest-rate types, terms, and payment alternatives. It also includes the ability to advance available funds as a traditional home equity line of credit with a variable rate tied to Prime Rate or fixed rate with the Fixed Rate Advance (“FRA”) features.

• For many business owners, their wealth is primarily invested in their business. While this investment strategy can often fuel the growth of the company, it can also present a challenge when it comes to transferring wealth in the case of significant life events. For this reason having a buy-sell agreement in place is at the root of any successful business transition plan. While the agreement itself is a very important first step, it is critical that the agreement also be properly funded.

Charitable Gifting

• Wells Fargo Advisors is not engaged in rendering legal, accounting or tax advice. If legal, accounting or tax assistance is required, the services of a competent professional should be sought.
• Gifting is the transfer of property by one individual to another, without something of equivalent value being received in return. Making gifts to family or other beneficiaries is done for a variety of reasons, including tax planning.
• For individuals with a large estate facing potential estate tax liability, gifting may be an effective strategy to reduce the amount of assets subject to estate tax upon death. Income tax savings might also be achieved through gifting since the income generated from the gifted assets is removed from the donor's taxable income. If the recipient of the gifted assets is in a lower marginal income tax bracket, there is also the potential to reduce the overall income tax consequences on the future income from, or sale of, those gifted assets.

Wells Fargo advisors is not a legal or tax advisor. However, we will be glad to work with you, your accountant, tax advisor and or lawyer to help meet your financial goals.

Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice in your state.

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), Member FDIC, 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.