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.

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

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

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
2024 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.

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