Wealth Management Services

Gary J. Swartz, Jr. serves a diverse group of clients, with particular focus on high-net-worth individuals seeking highly consultative investment and planning advice; business owners, professionals and retirees concerned with individual or group retirement planning; and tax-conscious investors.

He offers practical guidance to investors who:

  • Are experiencing significant life-changing events or newly found wealth
  • Have qualified plans
  • Need a transition plan for distributing wealth with continuity in cases of incapacity or mortality
  • Are looking for guidance on efficient investment strategies
  • Need diversification due to large positions in company stock
  • Have substantial blocks of incentive stock options or restricted stock
  • Need a defined investment plan
  • Want consolidation or organization of assets or accounts
  • Want more time and freedom for personal pursuits

Comprehensive Investment Planning

As a firm believer in the planning process, Gary identifies goals, gathers and reviews financial data, and works with his clients’ other professional advisors to design and implement a plan to help them reach their goals. Once the plan is in place, he reviews and updates as necessary to meet the dynamic circumstances. A comprehensive plan frequently includes:

  • Retirement income and capital needs analysis
  • Wealth preservation
  • Investment analysis and strategies (including risk analysis)
  • Estate planning and tax reduction stragegies1
  • Charitable giving strategies
  • Educational savings and planning strategies

Investment Management Services

Gary believes that before you make an investment decision, it’s important that he understands your current financial position, as well as your future investment expectations and obligations. As part of providing comprehensive financial services, he offers:
  • Fee-based privately managed portfolios2
  • Equities, mutual funds, and annuities 
  • Tax-free municipal bonds3
  • Taxable fixed income
  • Corporate syndicate (IPOs)
  • Access to institutional-level money managers
  • Family wealth management services
  • Access to lending products and services through Wells Fargo affiliates4
  • Insurance5
Selecting an advisor for your family’s financial affairs is one of the most important financial decisions you can make. Gary offers comprehensive wealth management services delivered with the utmost integrity and confidentiality. He can also help you provide for future generations through tax-advantageous distribution strategies, both during life and at death, through trust and insurance services available through affiliates. Additionally, he can provide access to a broad range of investment management solutions, including:
  • Fee-based privately managed portfolios
  • Equities, mutual funds, and annuities
  • Tax-free municipal bonds
  • Taxable fixed income
  • Corporate syndicate (IPOs)
  • Access to institutional level-money managers
  • Access to lending products and services through Wells Fargo affiliates
  • Insurance
If you’re like most people, securing a comfortable retirement is near the top of your financial priorities. Whether you’re an individual seeking tax-deferred growth and lifetime income or a business owner wanting to offer employees an attractive benefit without jeopardizing the company’s bottom line, Gary can help you navigate the complex choices available to you. He offers assistance with a comprehensive array of retirement plans:
  • Individual retirement accounts
  • Self-directed IRA options
  • Roth IRAs and conversions
  • Simplified Employee Pensions (SEPs) and Keogh plans
  • SIMPLE plans for small businesses
  • 401(k), pension, and profit-sharing plans
  • Social Security analysis
It's never too soon to start planning for the successful transfer and distribution of your assets. Estate tax laws can be complex and ever-changing, and failure to anticipate their impact could have dire effects on your legacy. Fortunately, Gary stands ready to assist you. Working closely with you and your other professional advisors, he can help design an estate plan to accomplish the following objectives:
  • Help preserve and manage your assets during your lifetime
  • Provide financial continuity after your death
  • Avoid many costs and delays associated with probate
  • Control the distribution of your assets and simplify the transfer of your assets to family members
  • Reduce estate and gift taxes
  • Ensure privacy and confidentiality in the handling of your affairs
*Wells Fargo Advisors does not provide legal or tax advice, but we will be happy to work with your chosen legal and tax advisors to help you achieve your financial goals.

Corporate Executive Services

Corporations and their executives are faced with complex challenges in managing their corporate and personal financial affairs. Many executives let their options expire without exercising them, forfeiting potential benefit. Gary may be able to help you avoid this common pitfall. In addition, we have extensive experience in complying with Rule 144 and may be able to assist you in managing the process. Services include:

  • Restricted securities, Rule 144, and employee stock options
  • 401(k), pension, and profit sharing administration
  • Cash management
  • Endowment management

Services for Institutions

Gary also provides specialized services for corporations, schools, endowments and universities. He will work with you to customize your institution’s portfolio based on your specific needs, investment policy and investment objectives for capital preservation, liquidity and income maintenance, and strategies to help enhance tax-adjusted yield. He is also able to provide comprehensive services for:

  • Restricted securities, Rule 144, and employee stock options
  • 401(k), pension, and profit sharing plan administration
  • Endowment management

*Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. Diversification does not guarantee profit or protect against loss in declining markets.

Banking services are offered through Wells Fargo Bank, N.A, member FDIC, a separate affiliate of Wells Fargo & Company. Subject to credit approval. Credit Cards issued by Wells Fargo Bank, N.A., member FDIC, an Equal Credit Opportunity Lender. A Business Visa credit card is available for Business Accounts. Contact your Financial Advisor for details.

1Wells Fargo Advisors is not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.

2Advisory programs may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for advisory programs will vary.

3Tax-Free Municipal bonds may be subject to state, local or the Alternative Minimum Tax (AMT).

4Wells Fargo Bank, N.A. offers various advisory and fiduciary products and services including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, a separate non-bank affiliate, may be paid an ongoing or one-time referral fee in relation to clients referred to the bank. The bank is responsible for the day-to-day management of the account and for providing investment advice, investment management services and wealth management services to clients. The role of the Financial Advisor with respect to the Bank products and services is limited to referral and relationship management services. Some of The Private Bank experiences may be available to Clients without a relationship with Wells Fargo Bank, N.A.

5Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.