1. FAMILY FINANCIAL OVERVIEW
- Clarify family values, goals and objectives
- Assemble consolidated financial statements
- Identify and triage immediate financial priorities
- Create financial organizational binder
2. DEVELOP A PLAN
- Define an ideal and acceptable lifestyle
- Identify sources of income
- Optimize spending and saving priorities
- Implement Envision® plan and financial strategy action plan
3. WEALTH AND INVESTMENT MANAGEMENT
- Executive summary
- Portfolio review
- Customized portfolio solutions
- Third party investment management services
- Cash management services
4. LIABILITY MANAGEMENT OFFERED THROUGH WELLS FARGO OFFICIATES*
- Liability analysis and optimization
- You have access to lending products and services, including:
- Securities-based line of credit
- Residential mortgages
- Home equity financing
- Small-business financing
- Credit cards
5. RETIREMENT PLANS AND COMPANY BENEFITS
- Retirement plan analysis and coordination
- Executive stock compensation strategies
- Managing and understanding corporate benefits
- Concentrated equity strategies
6. RETIREMENT INCOME PLANNING
- Design tax efficient streams of income
- Incorporate life cycle spending strategies
- Administer required minimum distributions
- Develop Social Security and Medicare planning strategies
7. INSURANCE AND ASSET PROTECTION**
- Policy reviews and needs analysis
- Life and disability insurance
- Extended care planning
- Wealth replacement strategies
8. LEGACY PLANNING AND PHILANTHROPY
- Beneficiary and account titling review
- Estate and wealth transfer strategies
- Philanthropic and gifting techniques
- Donor advised funds
9. ADVANCED PLANNING
- Business succession planning
- Intergenerational planning
- Life management services
- Education planning
10. COORDINATION WITH CPA AND ATTORNEY***
- Collaborative meetings
- Open and proactive communication
- Legacy document and tax return reviews
- Tax control strategies
Important Disclosures:
- *Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), Member FDIC, and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.
- **Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. This is not, in any way, intended as an invitation to replace your existing coverage. Such an exchange is often not appropriate due to such factors as surrender charges on your existing policy, the surrender charge period on the new policy, transaction costs associated with the exchange, the values of the new policy versus the old policy, and the various fees and expenses associated with the new product. Therefore, replacing an existing policy should only be considered after a careful evaluation of these factors as well as a thorough review of your existing coverage.
- ***Viator Wealth Management Group, Wells Fargo Advisors Financial Network and its affiliates are not legal or tax advisors.