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 over time to adjust your plan when life changes happen.Tax Planning Strategies
We offer multiple tax planning solutions for clients with complex tax strategies. We 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 would be most desirable for your plan. Our team will provide you various tax and estate strategies you may be considering. We will 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 protect you and your family. This includes planning for the successful transfer and distribution of your assets to know your family members will be cared for and your wishes will be followed. Our team will help you integrate your investment and estate plans 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 investment plan. Your financial future depends on a variety of unforeseen circumstances, we provide you with access to a wide range of insurance coverages that can help protect your financial security by helping with unforeseen costs and losses. These include disability, term insurance, permanent insurance and long-term care insurance. We will review 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, such as hedge funds, funds of hedge funds, managed futures, private capital, real assets and real estate funds, are not appropriate for all investors. They are speculative, highly illiquid, and are designed for long-term investment, and not as trading vehicle. These funds carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. The high expenses associated with alternative investments must be offset by trading profits and other income which may not be realized. Unlike mutual funds, alternative investments are not subject to some of the regulations designed to protect investors and are not required to provide the same level of disclosure as would be received from mutual fund. They trade in diverse complex strategies that are affected in different ways and at different times by changing market conditions. Strategies may, at times, be out of market favor for considerable periods with adverse consequences for the fund and the investor. An investment in these funds involve the risks inherent in an investment in securities and can include losses associated with speculative investment practices, including hedging and leveraging through derivatives, such as futures, options, swaps, short selling, investments in non-U.S. securities, “junk” bonds and illiquid investments. The use of leverage in a portfolio varies by strategy. Leverage can significantly increase return potential but create greater risk of loss. At times, a fund may be unable to sell certain of its illiquid investments without a substantial drop in price, if at all. Other risks can include those associated with potential lack of diversification, restrictions on transferring interests, no available secondary market, complex tax structures, delays in tax reporting, valuation of securities and pricing. An investment in a fund of funds carries additional risks including asset-based fees and expenses at the fund level and indirect fees, expenses and asset-based compensation of investment funds in which these funds invest. An investor should review the private placement memorandum, subscription agreement and other related offering materials for complete information regarding terms, including all applicable fees, as well as the specific risks associated with a fund before investing.
****Asset allocation does not guarantee a profit or protect against a loss in declining markets.
*****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.
