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What We Do
Our Services
Your investments should work together to help you reach your financial goals. You have access to many investment products and services. Here are some we offer to help you build your plan for the future and for now.
Our Advisory Services can help you save time managing investments. Find out how we can offer financial guidance and help you keep up with the markets. Our programs allow flexibility in how much your professional portfolio manager does for you or with you.
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.
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.
- You can benefit from tax-advantaged investing in an IRA.
- Consider contributing to an IRA even if you participate in a qualified employer sponsored-retirement plan (QRP).
- Find out which type of IRA – Traditional or Roth – is right for you.
IRAs can help you meet your retirement goals
Even if you already participate in a qualified employer sponsored-retirement plan (QRP) such as a 401(k), 403(b) or governmental 457(b), an IRA can help supplement these savings. Similar to a 401(k), IRAs offer the potential for growth in a tax-advantaged account. Over time, that can make a significant difference in your retirement savings.Types of IRAs
Both Traditional and Roth IRAs offer tax advantages, a wide variety of investment options, the flexibility to choose whether or not to invest annually, and the same contribution limits.- Traditional IRA - Offers tax-deferred growth potential. You pay no taxes on any investment earnings until you withdraw or “distribute” the money from your account, presumably in retirement.1 Additionally, depending on whether you’re covered by a retirement plan with your employer and your income, your contribution may be tax deductible.1
- Roth IRA – Offers tax-free growth potential. Earnings are distributed tax-free in retirement, if a five-year waiting period has been met and you are at least age 59½, or as a result of your death, disability, or using the first time homebuyer exception. Since contributions to a Roth IRA are made with after-tax dollars, there is no tax deduction regardless of income.
- Who can contribute to an IRA - You and your spouse, if filing jointly, can contribute to a Traditional IRA if you have earned income. You can make a non-deductible contribution to a Traditional IRA even if your income exceeds Modified Adjusted Gross Income (MAGI) deduction limits. You and your spouse, if filing jointly, can contribute to a Roth IRA at any age as long as you have earned income and are at or under MAGI phase-out limits.
- Small business SIMPLE & SEP IRAs - SEP IRAs and SIMPLE IRAs are often offered by small businesses as a retirement plan for their employees. These plans can be ideal for small businesses with a few employees. A SEP IRA is a Traditional IRA that holds employer contributions under the SEP plan.2
IRA contribution limits and deadlines
IRS rules state how and by what date you can make your IRA contributions. IRA contributions must generally be made by April 15 for the prior tax year. If you are 50 or older, within a particular tax year, you can contribute an additional $1,000 catch-up amount each year.Call us to discuss the exact date for this year and the amount you can contribute, or check out IRS Publication 590 found here:
Retirement plan distribution options
When you change jobs or retire, you generally have four options for your retirement plan assets:- Roll assets to an IRA
- Leave assets in your former employer’s plan, if the plan allows
- Move assets to your new/existing employer’s plan, if the plan allows
- Cash out through what’s called a “lump sum distribution,” pay taxes and perhaps a 10% IRS tax penalty
- The difference in fees and expenses between the QRP and IRA
- When penalty-free distributions are available
- Your need for help making investment decisions and other services offered
- Any special considerations regarding your employer stock
- Timing of required minimum distributions (RMDs)
- Protection of assets from creditors and bankruptcy
Next steps
- Make an appointment with us to go over your IRA choices.
- Fund your IRA.
- Find out if you can deduct your Traditional IRA contribution.
1Traditional IRA distributions are generally taxed as ordinary income. Qualified Roth IRA distributions are federally tax-free provided a Roth account has been open for more than five years and the owner has reached age 59-1/2 or is 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 IRS 10% additional tax if distributions are taken prior to age 59-1/2.
2For SIMPLE IRAs, withdrawals are subject to ordinary income tax and may be subject to an IRS 10% additional tax for early or pre-59 ½ distributions. The additional tax increases to 25% if taken during the first two years of plan membership.
3Please keep in mind that rolling over assets to an IRA is just one of multiple options for your retirement plan. Each of the following options is different and may have distinct advantages and disadvantages.
- Roll assets to an IRA
- Leave assets in your former employer’s plan, if plan allows
- Move assets to your new/existing employer’s plan, if plan allows
- Cash out or take a lump sum distribution
Our goal is to help you take a proactive approach to your personal financial situation. We are dedicated to helping you make sound decisions for your financial future. Helping you gain a better understanding of investing, retirement, estate planning strategies, and wealth preservation. Most importantly, we hope you see the value of working with us to pursue your financial goals.
Our Advisory Services can help you save time managing investments. Find out how we can offer financial guidance and help you keep up with the markets. Our programs allow flexibility in how much your professional portfolio manager does for you or with you.
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.
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.
- You can benefit from tax-advantaged investing in an IRA.
- Consider contributing to an IRA even if you participate in a qualified employer sponsored-retirement plan (QRP).
- Find out which type of IRA – Traditional or Roth – is right for you.
IRAs can help you meet your retirement goals
Even if you already participate in a qualified employer sponsored-retirement plan (QRP) such as a 401(k), 403(b) or governmental 457(b), an IRA can help supplement these savings. Similar to a 401(k), IRAs offer the potential for growth in a tax-advantaged account. Over time, that can make a significant difference in your retirement savings.Types of IRAs
Both Traditional and Roth IRAs offer tax advantages, a wide variety of investment options, the flexibility to choose whether or not to invest annually, and the same contribution limits.- Traditional IRA - Offers tax-deferred growth potential. You pay no taxes on any investment earnings until you withdraw or “distribute” the money from your account, presumably in retirement.1 Additionally, depending on whether you’re covered by a retirement plan with your employer and your income, your contribution may be tax deductible.1
- Roth IRA – Offers tax-free growth potential. Earnings are distributed tax-free in retirement, if a five-year waiting period has been met and you are at least age 59½, or as a result of your death, disability, or using the first time homebuyer exception. Since contributions to a Roth IRA are made with after-tax dollars, there is no tax deduction regardless of income.
- Who can contribute to an IRA - You and your spouse, if filing jointly, can contribute to a Traditional IRA if you have earned income. You can make a non-deductible contribution to a Traditional IRA even if your income exceeds Modified Adjusted Gross Income (MAGI) deduction limits. You and your spouse, if filing jointly, can contribute to a Roth IRA at any age as long as you have earned income and are at or under MAGI phase-out limits.
- Small business SIMPLE & SEP IRAs - SEP IRAs and SIMPLE IRAs are often offered by small businesses as a retirement plan for their employees. These plans can be ideal for small businesses with a few employees. A SEP IRA is a Traditional IRA that holds employer contributions under the SEP plan.2
IRA contribution limits and deadlines
IRS rules state how and by what date you can make your IRA contributions. IRA contributions must generally be made by April 15 for the prior tax year. If you are 50 or older, within a particular tax year, you can contribute an additional $1,000 catch-up amount each year.Call us to discuss the exact date for this year and the amount you can contribute, or check out IRS Publication 590 found here:
Retirement plan distribution options
When you change jobs or retire, you generally have four options for your retirement plan assets:- Roll assets to an IRA
- Leave assets in your former employer’s plan, if the plan allows
- Move assets to your new/existing employer’s plan, if the plan allows
- Cash out through what’s called a “lump sum distribution,” pay taxes and perhaps a 10% IRS tax penalty
- The difference in fees and expenses between the QRP and IRA
- When penalty-free distributions are available
- Your need for help making investment decisions and other services offered
- Any special considerations regarding your employer stock
- Timing of required minimum distributions (RMDs)
- Protection of assets from creditors and bankruptcy
Next steps
- Make an appointment with us to go over your IRA choices.
- Fund your IRA.
- Find out if you can deduct your Traditional IRA contribution.
1Traditional IRA distributions are generally taxed as ordinary income. Qualified Roth IRA distributions are federally tax-free provided a Roth account has been open for more than five years and the owner has reached age 59-1/2 or is 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 IRS 10% additional tax if distributions are taken prior to age 59-1/2.
2For SIMPLE IRAs, withdrawals are subject to ordinary income tax and may be subject to an IRS 10% additional tax for early or pre-59 ½ distributions. The additional tax increases to 25% if taken during the first two years of plan membership.
3Please keep in mind that rolling over assets to an IRA is just one of multiple options for your retirement plan. Each of the following options is different and may have distinct advantages and disadvantages.
- Roll assets to an IRA
- Leave assets in your former employer’s plan, if plan allows
- Move assets to your new/existing employer’s plan, if plan allows
- Cash out or take a lump sum distribution
Our goal is to help you take a proactive approach to your personal financial situation. We are dedicated to helping you make sound decisions for your financial future. Helping you gain a better understanding of investing, retirement, estate planning strategies, and wealth preservation. Most importantly, we hope you see the value of working with us to pursue your financial goals.
eMoney Advisor®
A modernized approach to advice
Leveraging our industry leading advice tools and resources simplifies the planning process and allows you to track closer to your desired outcomes.
Why Invest With Us
Your financial needs and goals are uniquely your own. When investing or working with us, you’ll benefit from a flexible, customizable planning approach and the support of a company dedicated to helping investors thrive and succeed.
It’s natural – and wise – to reexamine your financial outlook after an unexpected or game-changing life event. Or to hear life’s clock ticking and feel the urgency to plan more deliberately to meet your most cherished goals. If this sounds familiar, you’re in the right place. As your Financial Advisors, we can:
Instead of simply investing toward a dollar amount for a retirement target, our Emoney® planning process is refreshingly realistic and innovative. Our approach includes:
At Wells Fargo Advisors, we are fully equipped to help you succeed financially. As a leading investment company with a history of serving communities across the nation, we bring both Wall Street vision and Main Street values to our relationships with clients. Other benefits of working with us include:
Let’s invest in your future. Call today to schedule a phone or sit-down discussion.
Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
Banking services are offered through Wells Fargo Bank, N.A, a separate affiliate of Wells Fargo & Company.
Wells Fargo Investment Institute, Inc. is a registered investment adviser and wholly-owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.
- We can help you navigate life’s financial pathways
- Our innovative planning process helps us keep you on course
- Wells Fargo Advisors is fully equipped as an organization to help you succeed financially
The advantages of working with us
It’s natural – and wise – to reexamine your financial outlook after an unexpected or game-changing life event. Or to hear life’s clock ticking and feel the urgency to plan more deliberately to meet your most cherished goals. If this sounds familiar, you’re in the right place. As your Financial Advisors, we can:
- Provide advice and guidance to help you focus on your short- and long-term financial goals
- Help you create a plan geared to your goals and circumstances
- Help you focus on and manage other important aspects of your financial life
The benefits of our goals-based planning process
Instead of simply investing toward a dollar amount for a retirement target, our Emoney® planning process is refreshingly realistic and innovative. Our approach includes:
- An exploration of your unique goals
- An investment plan built to support your needs and goals
- The ability to review your plan to help to keep you on track
- Flexibility to update your plan to reflect life or market changes
- Easy-to-follow reports and updates
A company you can rely on
At Wells Fargo Advisors, we are fully equipped to help you succeed financially. As a leading investment company with a history of serving communities across the nation, we bring both Wall Street vision and Main Street values to our relationships with clients. Other benefits of working with us include:
- Comprehensive investment advice
- Advice and tools supported by well-known Wells Fargo Investment Institute analysts and strategists
- Access to banking, insurance, and lending services through our Wells Fargo & Company affiliates
Next steps
Let’s invest in your future. Call today to schedule a phone or sit-down discussion.
Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
Banking services are offered through Wells Fargo Bank, N.A, a separate affiliate of Wells Fargo & Company.
Wells Fargo Investment Institute, Inc. is a registered investment adviser and wholly-owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.
We’ll make financial and investment recommendations with your best interest at heart.
Our Commitment
We work hard to serve our clients’ best interests through careful planning and transparent actions. When working with us, you’ll know the reasons for our recommendations and any fees associated with them. You’ll receive timely attention when you have a concern or question. And we can work together in person, by phone, or via email – whichever works best for you.
Wells Fargo Advisors
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