Retirement Planning Services 

Our retirement planning services are implemented to allow you to identify your specific retirement goals and develop a plan to help you achieve them. Our team can assist in managing all aspects of your transition from working to retirement or setting up a predictable cash flow to help meet your income needs. We will continue to work with you with timely adjustments to your plan when life changes happen.

Tax Planning Strategies*

We offer multiple tax planning solutions that may be helpful for clients with complex tax strategies. We may assist them in tax loss harvesting, charitable giving, implementing Donor Advised Funds, providing tax efficient income and providing unique gifting strategies.

 

We have a deep bench of planning experts that can assist you in this field based on what strategies may be most desirable for your plan. Our team may provide you with various tax and estate strategies worth considering. We can refer you to qualified tax specialists and work together with tax experts you’re currently working with.

Estate Investment Planning Strategies^* 

We will review your current estate plan to help ensure it is up to date and properly structured to preserve you and your family.  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 can help you integrate your investment and estate planning strategies or evaluate potential strategies from a tax perspective as a component of wealth transfer planning.

Education Funding and Planning   

We provide solutions to enable you to determine approximate costs and identify the best tax-advantaged funding solution for a loved one’s education.  Either through a 529 Plan, a Custodial Account, or a dollar cost average method to teach the minor the long-term benefits of investing and saving.

Risk Management^**

Insurance protection is an important component of a comprehensive, long-term wealth plan. Your financial future depends on a variety of unforeseen circumstances, we help provide you with access to a wide range of insurance coverages that we can help preserve your financial security by helping with unforeseen costs and losses. These include disability, term insurance, permanent insurance and long-term care insurance. We can review with you any existing insurance policies you may have. 

Investment Planning***

We help clients develop a customized, strategic and tactical portfolio allocation which seeks to reduce risk and enhance potential returns. With a long-term outlook, our investment strategies can have a higher success rate while managing volatility. 

Alternative Investments^**** 

We offer qualified investors the opportunity to participate in private capital, private credit, real estate funds and other alternative investment vehicles.

Business Advisory Services 

We work with business owners to assess their unique situation and recommend investment strategies designed to increase business valuation and personal net worth. If you’re building, purchasing or selling a business, we will explain the wide range of alternatives and guide you in making complex investment decisions.

Employee and Executive Benefits 

We will help you review the benefits your business offers – including retirement, health care, stock incentive plans, nonqualified deferred-compensation plans, HSAs,  and employee-retention strategies – from the perspective of both employer and employee.

Access to Banking and Lending Products Through Wells Fargo Bank N.A., and affiliates^****

Through Wells Fargo Bank and affiliates we can provide access to securities-based financing, residential mortgages, home-equity financing, business financing, commercial lending and credit cards.

Charitable Giving 

Our team helps individuals and families define their charitable and philanthropic objectives, in addition to offering potential strategies like creating a  foundation or setting up a Donor Advised Fund.

 

 


*Wells Fargo Advisors does not provide legal, or tax advice.
** Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. 



**** Alternative investments are not appropriate 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.


***Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.


*****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. Wells Fargo Bank, N.A. (“the Bank”) offers various banking, advisory, fiduciary and custody products and services, including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, may be paid on an ongoing or one-time referral fee in relation to clients referred to the Bank. In these instances, the Bank is responsible for the day-to-day management of any referred accounts. Subject to credit approval. Credit Cards issued by Wells Fargo Bank, N.A., an Equal Credit Opportunity Lender. A Business Visa credit card is available for Business Accounts. Contact your Financial Advisor for details. Wells Fargo Home Mortgage is a division of Wells Fargo Bank N.A., a bank affiliate of Wells Fargo& Company.