Bridging the Gap Between You and Your Goals

• Health care considerations
• Leave a legacy
• Estate planning strategies

Though you're likely in or headed toward retirement – a time for travel, bucket lists, and seeing family more often – there's still a lot to consider. Our team wants to help you with your transition and help ensure it's as fruitful and enjoyable as you've always imagined it would be. Your decisions now will continue to impact you, your spouse, and future generations, and we believe our knowledge of your next steps in retirement can help make that impact truly positive.

• Will you still be able to retire when you want to?
• Is it too early to pay off my debts?
• Have I done everything I can to ensure my parents are happy?

Does it feel like retirement is quietly creeping up on you, or is it all you can think about? However far off retirement feels to you, it's never too late to prepare for it – and that can mean a lot of different things. And beyond your own household, you are likely concerned with aging parents or in-laws, asking yourself what you can do to help them.

We welcome you to engage with us and further discuss our planning process, which has been modified over time to better suit the needs of our clients. If you have a question, we're confident we have an answer that will help you understand what retirement means for you. And if you have concerns about your aging family members, our team would be happy to sit with you to further discuss your role in their lives and provide you some confidence.

• How do my retirement funds transfer during a job or career change?
• If something happens to my spouse, will my family be okay financially?
• My family is growing but my home isn't – can we afford a new house?

A new job, a new home, a new car, a new family member – sometimes it seems like the new additions to your life never stop coming, and they're often associated with additional expenses. The responsibilities you have to your home and your work may leave you with little time to think about your future, let alone a meeting with your financial advisor.

We're here to help you manage your financial future any way we can, even if that means we're video conferencing or speaking strictly on the telephone. We accommodate for the needs of our clients with a smile on our faces, as we've been in your shoes ourselves.

• Income and expense planning
• Managing debt
• Purchasing a home and starting a family

As someone early in your career who has recently married and received their first job promotion, you’re looking to make sure that you’re on the path to creating long term wealth. With a lot of major purchases on the horizon, you’re in search of advice on understanding where your money is going, how to effectively manage your debt and how you can afford the lifestyle that you want.

• Educating you about investment planning
• Updating your will and other necessary documents
• Helping you clarify what's most important to focus on now and/or in the future

Whether you're divorced, separated, or widowed, your life has taken on a major change that will require a lot of patience and potentially some sacrifices – but your financial future should not be ignored. If you now find yourself managing the finances of your home, just know that we are here to listen to your questions and concerns, and help you understand what steps need to be taken to feel more confident.

If need be, we are happy to work with your attorney and any other professional advisors to gain a better understanding of what we can do to help you.

• Women are great managers of uncertainty
• They are active in varied forms of financial decision-making
• They are leaders in several areas, including financial education
• They are communicators and respond to open, honest dialogue*

On average, women earn less per dollar than men, often take time off from work to care for others, and generally have very little extra time in their busy schedules. For some women, this can eventually leave them unprepared to reach their financial goals. If you feel apprehensive about investing, we want to help you learn about the benefits of careful planning and thoughtful investing. We believe that doing so can help you feel more confident about the financial future of you and your family.

Click here to get started.

_{*Source: Embracing change: How affluent women stay focused on the future, Wells Fargo, 2/13/23}

Through referral to the Philanthropic Services team at Wells Fargo Private Bank, we can help clients who are:

• Establishing an investment policy statement
• Consolidating and simplifying account structure
• Improving investment allocation

As a board member of a non-profit who recently completed an extremely successful fundraising campaign, you may be looking to position your organization for current and future success. You want to make sure that your investment plan is aligned with the goals of the organization.

_{The Private Bank is an experience level for qualifying clients of Wells Fargo Wealth & Investment Management (WIM). WIM offers financial products and services through affiliates of Wells Fargo & Company. Bank products and services are available through Wells Fargo Bank, N.A, Member FDIC.}

_{Wells 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 of Wells Fargo Advisors without a relationship with Wells Fargo Bank, N.A.} 

• Navigating insurance concerns when deciding to get married
• Discussing your spouse's retirement benefits
• Looking at the financial security of your marriage

When it comes to taxes, estate planning strategies, health insurance, child custody, medical decision-making authority, and much more, same-sex married couples have the same rights as others. But like any marriage, yours is one that should be considered carefully. We can help answer any questions you have prior to getting married, and if your questions fall outside our scope expertise (such as tax-related or legal matters), we can point you to other trusted professionals who can guide you in the right direction.

• Extensive knowledge on oil and gas company retirement plans, such as 401(k)s and pensions
• Review the full compensation and benefits package provided by your employer
• We've helped countless of oil and gas employees through their retirement journey

Having been located in eastern Louisiana as long as we have, and given our proximity to Texas, many of our clients work in the energy industry – specifically oil and gas. Over the course of our experience, we’ve accumulated a great deal of knowledge regarding those who work in the oil and gas industry.

We believe we are well suited to meet the investment needs of these professionals. Whether you’re a corporate executive, an engineer, or working in the field, we look forward to helping guide your investment planning decisions. 

Through a referral to Wells Fargo Private Bank's Business Advisory Services group, business owners can address:

• Diversifying wealth outside of the business
• Succession planning
• Improving company retirement plan

As an entrepreneur you have built a business from the ground up and now have several employees that depend on you for their well-being. As profits have continued to rise so has the complexity of managing the business. You want to make sure that your personal wealth is being managed effectively and that your company is continuing to grow.

_{The Private Bank is an experience level for qualifying clients of Wells Fargo Wealth & Investment Management (WIM). WIM offers financial products and services through affiliates of Wells Fargo & Company. Bank products and services are available through Wells Fargo Bank, N.A., Member FDIC.}

_{Wells 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 of Wells Fargo Advisors without a relationship with Wells Fargo Bank, N.A.}

• Comprehensive plan and strategy
• Balancing competing priorities
• Establishing a tax-efficient strategy

As a professional you have made a career for yourself in a company and are working hard to increase your wealth. You have started a family and want to make sure that they are protected and that you will be able to provide for them as they continue to grow.

_{Wells Fargo Advisors is not a tax or legal advisor.}

• Establishing a portfolio for retirement
• Generating income in retirement
• Working to maximize Social Security

As someone who is preparing for retirement, you know your lifestyle will begin to change. Soon, you will stop earning a paycheck and start to fund your lifestyle with the hard-earned dollars you’ve amassed throughout your career. You want to check all of the items off your bucket list while making sure that you don’t outlive your money.

Through a referral to Wells Fargo Private Bank's Business Advisory Services group, board members for pension plans can address:

• Investment policy statement
• Reviewing investment allocation

As a Board Member for a local pension plan, you’re trying to do what is best for all of the members of the plan. You want to make sure that your plan is aligned to the goals of the members.

<sub>The Private Bank is an experience level for qualifying clients of Wells Fargo Wealth & Investment Management (WIM). WIM offers financial products and services through affiliates of Wells Fargo & Company, Bank products and services are available through Wells Fargo Bank, N.A., Member FDIC.

Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.</sub>

_{Wells 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 of Wells Fargo Advisors without a relationship with Wells Fargo Bank, N.A.}