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Understanding Your Goals and Concerns

We start with you, the individual, and understand that financial decisions should not be made in a vacuum. Every client is unique and there is no one target that works for all investors. Your personal goals should be the heart of what drives your investment strategy and we believe that meeting your goals is far more important than a random market benchmark. We will work with you to explore your financial dreams while discussing any concerns you might have with achieving them.

Connecting With Your Money Goals

Investment and Portfolio Management

Any investment strategy should be designed around your unique situation and take into account your views on how risk should be considered. We can help you determine an appropriate asset mix, select specific investments for your portfolio and will meet to review your investments as necessary. We believe having a disciplined long-term plan that addresses risk is an important factor in being a successful investor. We use a disciplined investment approach so you can feel confident through the inevitable ups and downs of the market and believe ongoing communication is crucial in understanding how you invest and meeting those long-term goals.

Why Advisory

Retirement Planning

When you're ready to stop working, your financial assets need to be ready to start providing a retirement income. That is why it is important to plan effectively for retirement throughout your life. While you're working, we can help you define your retirement goals and develop a plan designed to meet those goals. Elements include saving the appropriate amount and investing in a way that provides the highest likelihood of providing the income you will need. Investment plans require adjustments and sufficient flexibility to respond to life events as they occur. We periodically review your plan to ensure you are on track to meet your financial goals. We can also illustrate how social security and other sources of retirement income fit into your retirement plan. As an individual, you only have one shot at retirement, so it's important to work with a team that has experienced retirement many times through the lives of our clients.

Social Security and Your Retirement

Cash Flow and Liability Management

Effectively managing your cash flow is important in every phase of your life. While you're working, developing a process to take advantage of the most effective savings strategies is critical to your success. As you near retirement, it is important to understand how your spending needs change in this new phase of life. We can work with you to review current spending and how that might change once you begin retirement. This includes developing a budget, reviewing various cash flow strategies, and helping you manage an appropriate cash reserve. Our services include helping you determine how to build and maintain a retirement income to meet your new retirement lifestyle.

We can also assist you in exploring how debt fits into your overall picture and can help you understand the impact it may have on your overall financial goals.

Access to lending products and service through Wells Fargo affiliates. Products and services are offered by bank and non-bank affiliates of Wells Fargo & Company.

Income Planning Worksheet

Risk Management and Family Security

In life, we spend quite a bit of time planning for specific financial events. Milestones such as retirement or going to college are often in the plans, but what happens when life deals an unexpected financial challenge? Will we still be able to meet the financial goals we have worked so hard to achieve? Although devastating events are not always likely to occur, the consequences can set you back dramatically. We believe your goals are worth protecting and can help you understand various strategies to safeguard your family and your assets. We can discuss tools such as life insurance, disability insurance, and long-term care insurance and whether or not they make sense for your specific financial situation.

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

Protect Assets With Long-Term Care Insurance

Education Planning and Funding

Whether your children or grandchildren are toddlers or teenagers, it's only a matter of a time before they leave the family home, possibly as they head off to college. The cost of sending just one child to college for four years can be challenging, and tuition and fee hikes regularly outpace inflation. Fortunately, parents who intend to cover or contribute to their children's education costs have more choices today than they've ever had. We can help you build a plan to address your education goals and understand the many education savings tools that could be available to you.

529 Saving Plans

Tax Strategies

Managing your tax liability is an important factor in having a solid investment plan. Strategies like identifying tax-efficient portfolio techniques, discussing retirement funding options, and managing capital gains and losses are topics we typically address. In addition, we can discuss the concept of asset location to help you have a more thoughtful tax-efficient investment strategy. Although we are not tax advisors, we think it's important to help you understand some of the tools available while coordinating with you and your tax advisor to help minimize the impact taxes may have on your investments.

Charitable Donation and Tax Deduction
2025 Tax Tables

Wells Fargo Advisors Financial Network is not a legal or tax advisor. Be sure to consult your own tax advisor and investment professional before taking any action that may involve tax consequences.

Wealth Preservation Strategies

You have worked hard for the financial assets you have accumulated and we are committed to being an important advisor in helping you define and plan for your personal estate goals. Your estate plan is about actions taken during your life, and understanding what you want is the first step. This can include identifying options to avoid probate or discussing various options to minimize taxes and preserve assets for your family. Whether it's as simple as beneficiary designations or as complex as a trust, we can support you and your attorney in the estate planning process. Our goal is to listen to our clients and help them formulate ideas so that meetings with their attorney can be more efficient and productive.

Wells Fargo Advisors Financial Network is not a legal or tax advisor. Be sure to consult your own attorney and tax advisor before taking any action that may involve estate planning

Four Basic Estate Planning Documents
Titling Your Assets

Planning For Life Transitions and Unexpected Events

We understand your plan should fit your life instead of trying to fit life around your plan. Understanding your dreams for today and the future are just as important as the hard numbers and statistics we use in an effective plan. Ultimately, effective planning is about providing independence so you can spend more time with family and friends doing the things you love. Whether it's retirement, the birth of a child, or the unexpected illness of a family member, we're here to offer our guidance through major events in your life.

Pivotal Keep/Sell Points