Our Process

We feel that success, no matter what you are trying to accomplish in life, requires thorough planning. Which is why we identify and follow specific steps that are designed to result in a well thought out, and detailed plan that is tailored to reflect your distinct circumstances.
Everyone is unique – with their own personalities, relationships, memories, experiences and passions. We start our relationship by focusing on these critical areas and issues in your life, because the better we get to know you on a personal level, the deeper our understanding of what drives your needs and wants.

We then collect all of the data and information that makes up your wealth. Including your investment and retirement accounts, insurance and long-term care information, current and expected cash flows, tax and social security information, as well as your real estate and mortgage values.

Wells Fargo Advisors is not a legal or tax advisor.

PM-11162025-6630751.2.1
After we know what you have and why you have it, we can evaluate the make-up and structure of your wealth. Then we develop a plan to include retirement scenarios, income and cash flow analysis, tax-efficient strategies, investment and portfolio analysis, risk tolerance, portfolio analysis, stress tests, etc.

We tailor the plan and our recommendations to make sure that they fit your unique situation and are aligned with your goals.


Wells Fargo Advisors is not a legal or tax advisor.

PM-11162025-6630751.2.1
Once the plan is reviewed and agreed upon, together you and our team take the steps to implement the recommendations. But this is not a “set it and forget it” plan.

We understand that life always brings change, both good and bad. Which is why we can meet to review and reevaluate your situation so that your plan changes with your life.


Wells Fargo Advisors is not a legal or tax advisor.

PM-11162025-6630751.2.1
Tovar Wealth Management Group of Wells Fargo Advisors

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (AL, AR, CA, CO, DC, DE, FL, GA, IA, IL, LA, MA, MN, MO, NC, NJ, NY, OH, OK, SC, TN, VA, VT, WY). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

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

A note about Social Media: Opinions, comments and actions taken on Social Media are those of the third party and do not necessarily reflect the views of the creator of this profile or of the firm. Social Media is intended for U.S. residents only and subject to the following terms: wellsfargoadvisors.com/social.

© 2022 Wells Fargo Clearing Services, LLC. All rights reserved.

FINRA’s BrokerCheck Obtain more information about our firm and its financial professionals

FINRA’s BrokerCheck Obtain more information about our firm and its financial professionalsX