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Creating a plan can help you stay focused, plan for challenges, and make choices that work for you. Find out how to create and manage your retirement plan. We’ll look at your whole picture. Together, we’ll prioritize your goals for the future and map out a financial course to help you achieve them.

Everyone could use an estate plan. It’s not about what you own – but putting you in control. Here’s some helpful information to think about and get started.

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Your company is one of your most important assets. It’s the product of your hard work. We can offer your business a variety of customized products and services, from employee benefit plans to insurance and help with succession planning.

Find out ideas on how we can help you reach your retirement goals with an Individual Retirement Account (IRA).  Even if you already contribute to a 401(k) or another qualified employer-sponsored retirement plan (QRP), you should consider investing in an IRA.  It can help supplement those savings and give you access to a wider range of investments.

• Traditional IRA
  • Traditional Individual Retirement Accounts are special tax-deferred investment accounts created by the federal government to encourage Americans to save money for their retirement years and other important financial goals. Taxpayers have tax deductible and non-tax deductible options
• Roth IRA
  • The Roth IRA was introduced in 1998 as an alternative to the Traditional IRA. The most attractive features of the Roth IRA are the ability to take tax-free distributions of potential earnings. Also, distributions are not required until the death of the account holder.
• SEP IRA/SIMPLE IRA
  • A Simplified Employee Pension (SEP) is a cost-effective means for an employer to provide a retirement plan for their employees.  The plan allows for an employer to make deductible contributions for employees.  To benefit from the plan, employers must adhere to the provisions contained in the plan document.
  • SIMPLE IRA (Savings Incentive Match Plan for Employees) allows employees and employers to jointly contribute to an IRA-based plan that is designated for the employees’ benefit. A SIMPLE IRA is considered a low-cost retirement plan suited for employers with 100 or fewer employees. The SIMPLE IRA offers flexible benefits with less administration when compared to other plan types.
• Inherited IRA
  • This is an IRA re-titled for the beneficiary upon the death of the original IRA holder. All distributions from the account are reported under the beneficiary's Social Security number and are taxable to the beneficiary at their own tax rate.
•  401k
  • A 401(k) is a defined contribution plan that allows both the employee and employer to contribute into an account for the benefit of the employee in a tax-deferred status. Employees contribute to the plan directly from their paycheck on either a pre-tax, Roth or other after-tax basis, depending on the provisions of the 401(k) plan document. Employers also have several options to choose from when selecting their contribution formula – matching, non-elective or straight profit-sharing contributions.
• One-Participant 401(k)
  • A "simplified" traditional 401(k) plan available for businesses where the only employees are the business owner (or partners) and their spouse if working at the business. Individual 401(k) plans are "simplified" because many of the complex testing and administrative requirements present in a traditional 401(k) are not present in an Individual 401(k), as long as the business does not have any additional employees.

Income tax will apply to Traditional IRA distributions that you have to include in gross income.  Qualified Roth IRA distributions are federally tax-free provided it has been more than five years since the Roth IRA was funded AND the owner is at least age 59 ½ or disabled, or using the first-time homebuyer exception, or taken by their beneficiaries due to their death. Qualified Roth IRA distributions are not subject to state and local taxation in most states. Distributions from Traditional and Roth IRAs may be subject to an IRS 10% additional tax if distributions are taken prior to age 59 ½.

Withdrawals from 401(K)s, profit sharing plans, and SEP/SIMPLE IRAs are subject to ordinary income tax and may be subject to an IRS 10% additional tax for early or pre-59 ½ distributions. Additionally, for withdrawals from SIMPLE IRAs, the additional tax increases to 25% if taken during the first two years of plan membership

Saving up to pay for your child’s college education doesn’t have to interfere with your retirement goals. 529 plans and trust funds are designed to help parents and grandparents save for a child’s education. Planning for retirement, managing your investment portfolio, and funding a college education is a balancing act. The trick is to plan ahead.

Please consider the investment objectives, risks, charges and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and the other information, can be obtained by calling your financial advisor. Read it carefully before you invest.

Developing your investment plan includes choosing which products and services might help you meet your financial goals. Review some of the selections we offer to our clients. We can discuss what might work for your situation and help you as you work toward achieving your goals.

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If you’re changing jobs or retiring, you’ll need to decide what to do with assets in your 401(k) or other qualified employer-sponsored retirement plan. These savings can represent a significant portion of your retirement income, so it’s important you carefully evaluate all of the options.

Insurance can play a key role in helping preserve your assets and achieve your financial goals. Plan to help protect all aspects of your financial life: family, business, retirement, and legacy. Consider how insurance can help protect the people and causes you care about the most.

• Life Insurance
  • While the primary reason for buying life insurance is for death benefit protection, it can also play an important role in planning for retirement. Cash value life insurance can offer potential tax benefits, diversification to possibly help reduce risk, and important protection elements to retirement planning. Consider how cash value life insurance can help you create a tax-advantaged source of supplemental retirement income while protecting your goals along the way.
• Long Term Care
  • Long-term care insurance helps cover the costs of long-term care associated with the activities of daily living, such as eating, bathing, dressing, and other needs. The need for long-term care may be due to a chronic illness or injuries that require extended rehabilitation and care.
• Disability
  • Disability Insurance (DI) offers an income replacement to help pay bills and other expenses in the event of an illness or accident. Benefits are based on income and covers a set percentage of pre-disability earnings. Benefits are usually paid on a monthly basis to help the insured maintain their standard of living and continue to pay their regular expenses.
  • DI products share two core benefits:
    • Protection – Designed to provide a financial safety net and help protect income.
    • Flexibility – different choices to customize the policy to work in a variety of situations to meet needs.

Insurance products offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

Death benefits generally are not subject to income taxes but may be subject to income taxes in certain cases. Policy owners should consult with legal counsel prior to assigning the ownership rights in life insurance policies. Insurance policy values or death benefits are includable in the gross estate of the decedent if the decedent owned or was deemed to have owned certain "incidents of ownership" in the policy. Death benefit protection is based on the claims-paying ability of the issuing life insurance company.

Wells Fargo Advisors does not provide legal or tax advice.