COMPREHENSIVE INVESTMENT MANAGEMENT

Making sure your wealth continues to work in support of the goals you have established takes careful planning. Such planning is not a single event but a process. And as the circumstances of your life continue to change, so must the investment strategies we use to stay on course toward meeting your objectives.

The investment planning services provided by our team will strive to assist you in formulating effective management strategies based on your financial resources, current needs and future goals, in addition to the specific levels of investment risk you are comfortable assuming.

Investment Asset-Allocation Strategy1 - One of the most critical components of any investment plan, asset allocation is an overall structure for a balanced portfolio in which your assets are apportioned among various investment types, such as stocks, bonds and cash equivalents. By taking into consideration your needs as well as your risks, your asset allocation analysis is tailored to fit you.

 Annual Financial Analysis - We provide an in-depth evaluation of your financial situation including an assessment of net worth, cash flow, tax-planning statements2, current investments and insurance needs. We can also coordinate with your C.P.A., attorney, or other professional to make sure all your financial needs are met.

Retirement Plan Rollover Analysis - For investors who are eligible to receive a lump-sum distribution from a qualified retirement plan, we can assist you in exploring all options available to you.

Corporate Retirement Funds for Businesses and Individuals - It is our goal to ensure a stress free and educational experience when working with us regarding these options:

  • Prototype Plans and Plan Administration for existing or start up plans
  • Profit sharing plans
  •  401(k)s
  •  SEP and SIMPLE IRAs
  •  Roth IRAs

 

Access to Lending Services through affiliates 

Business Successor Planning - Assist in structuring a plan to facilitate an orderly transition of your business at a future date or provide Key-Person coverage for a mission-critical employee.

 1Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
2Wells Fargo Advisors is not a legal or tax advisor.

Growth and Wealth Management

Retirement Accumulation Planning – We can help you determine how much you may need to retire comfortably and can also help you manage your assets before and during retirement. We'll work with you to help make the most of your employer-sponsored retirement plan and IRAs. 

Retirement Income Planning - We can help you identify an income replacement strategy to maintain your standard of living throughout your complete retirement time horizon. We can also advise you on pension and buyout options.

Investments –Helping you understand your risk tolerance is an integral part of designing an appropriate investment strategy. We work with clients to help them determine their asset-allocation needs. We then, recommend suitable investment vehicles to help you reach your goals. We have access to a host of investment vehicles to aid you in meeting your investment needs.

Tax management* - Help making sure your portfolio is tax-efficient. Developing tax saving investment strategies. Referring you to qualified tax specialists.

 

 

Asset Protection and Preservation Through Prudent Risk Management1

We work with clients to reviewing their specific situations for potential insurance needs. To do this, she addresses their life insurance, disability insurance, and long-term care insurance needs. These are important components in a client's overall wealth plan.

Life Insurance-Your long-term goals are critically important; both your investments and your life insurance must be positioned to help you reach those goals. Because of industry changes, insurance companies may now be offering more attractive rates than the rate on the policy you already own. Your financial needs change as you age, and you may be surprised to discover that you no longer need certain features of your policy or that others may now be more desirable.

Other available insurance options to explore:

  • Term and Permanant
  • Key Man Insurance
  • Disability Insurance 

  • Long-Term Care

  •  Legacy and Distribution2

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    Estate planning - To help you preserve your estate for your intended heirs, we have access to estate-planning and trust specialists to review your wills and trusts, help with beneficiary designations, and reduce potential exposure to estate taxes and probate costs. We also coordinate with your tax and legal advisors to provide fully integrated financial strategies.

    Charitable Funding - Explore strategies to meet your charitable and philanthropic goals.

    Education Funding Goals - Learn more about investment and accumulation strategies to help pay for your children or grand children's education.

     

     

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    1Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
    The Asset Protection is not, in any way, intended as an invitation to replace your existing coverage. Such an exchange is often not suitable due to such factors as surrender charges on your existing contract, the surrender charge period on th new contract, transaction costs associated with the exchange, the values of the new contract versus the old contract, and the various fees and expenses associated with the new product. Therefore, replacing and existing policy should only be considered after a careful evaluation of these factors as well as a thorough review of your existing coverage.

    2Trust 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.