Working with Individuals and Families

We focus on your unique needs and work with you throughout your life to help plan for and achieve your financial objectives and life goals along the way. Our planning and investment strategies are designed to provide you with insights and sound financial advice and guidance at any stage of your life.

Starting Out

When it comes to saving, we understand it can be a challenge with so many demands on your time and attention. Starting early is the key and a great way to begin is by contributing to your employer-sponsored plan.

We work with you to create a plan and help you answer many questions that come up including:
When should we start saving for retirement?
When should I start participating in my employer-sponsored retirement plan?
What are the benefits of tax deferred savings?
How can a disciplined budget help me save for retirement?
What are the options for paying down our debt?
How can I start saving to purchase a house?
What insurance coverages do I need to protect my family and assets?

^{Wells Fargo Advisors Financial Network 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 Financial Network and are underwritten by unaffiliated insurance companies.}

Building Wealth

During your income-earning years, we help you define your overall financial goals and lay a stable foundation for the future. We address all of your areas of concern including managing cash flow and liabilities; organizing your savings and investments to align with your goals; minimizing potential income taxes; making decisions regarding life insurance, estate planning strategies and helping to build future wealth. We provide trusted advice and guidance for many questions that come up, including:

How much do we need for retirement?
What should we do with our retirement savings if we make a career change?
How do we make sure our investments stay aligned with our goals?
What insurance coverages do we need to protect our family and assets?
How do we save for a child’s educational expenses?
What can we do to reduce investment taxes?

Nearing Retirement

With your retirement years approaching, we use a combination of retirement income distribution strategies, such as coordinating portfolios with the timing of when to start Social Security, bridging health insurance costs until you start Medicare, income tax planning strategies, and for clients who have accumulated more than they need for retirement, we provide estate planning strategies to provide a legacy for their heirs. We can help you answer questions such as:

How should we transition our retirement savings plan into a retirement income plan?
What options are available to protect the income we need to cover essential expenses?
How should I adjust our investment strategy as we approach retirement?
Can we reduce the effects of market volatility as retirement approaches?
How do we incorporate the effects of inflation on retirement spending?
What are the options and decisions we need to make around Social Security, Medicare,

and pensions?
What healthcare and long-term care insurance options do we need in place to protect our income, assets and lifestyle?
How do we build out our estate planning strategies to protect assets and help transition my estate smoothly?

Living in Retirement

Our team is focused on helping you meet your goals in retirement. We help you prepare for what’s ahead and put together a retirement income plan to keep up with the future.

We can help you answer questions such as:

What risk-managed investment strategies are appropriate for our needs in retirement?
Are there ways to reduce taxes and boost retirement income?
How can we put together a legacy plan for distributing our estate?
How do we foster sound family financial values across generations?
Are our charitable donations made in the most tax efficient manner?
How do we best plan for healthcare and long-term care expenses?

^{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.}

Leaving a Legacy

For many families, there will be enough wealth to pass from one generation to the next. Our multi-generational team can help your family prepare for and successfully transition both wealth and family values. Through deep relationships, we can provide individualized advice to each generation. We provide estate planning strategies to help minimize potential tax and legal consequences which could occur from unprepared wealth transitions.

We can help you answer questions such as:

How do we teach our children/grandchildren about money and investing?
How do we gift properly to our children/grandchildren?
How can a trust help to protect and manage our assets for current and future generations?
How can we provide financial security for a family member with a disability while maintaining eligibility for state and federal public benefits?
How does a trust impact the heirs of our estate with probate and estate taxes?
What strategies can we use teach our children/grandchildren about the family’s philanthropic values?

^{Wells Fargo Advisors is not a legal or tax advisor. Any estate planning strategies should be reviewed by an attorney who specializes in estate planning strategies and is licensed to practice law in your state.}