Individual Wealth Management Services

Comprehensive Investment Planning

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 – it is a process.  As your life circumstances change, so must the investment strategies we use to stay on course toward meeting your objectives.  That is why we work with you, one on one, to design investment strategies targeted to your specific needs and goals.  Although we do not provide tax advice, we will help you stay current with tax law changes and estate plan issues to help preserve and protect your wealth – now and for generations to come.

Envision® Process (click here) 

 You only get one life. It's up to you to make the most of it and to live the best life you can. Your best life starts with a vision for what you want to accomplish and what you're able to strive to achieve with the resources you have. The Envision Process is designed to help you identify and prioritize your goals. This unique process creates an effective, easily followed roadmap with personalized milestones to help you discover whether you have the financial resources to live your life the way you want.

Portfolio Management Services

Although we offer traditional brokerage accounts, we believe that fee-based account management focuses on the long-term benefits of your financial strategy.  We offer a variety of money-management programs in which a quarterly fee, assessed in advance, based on the assets in your account replaces traditional commission fees.  Because we are paid a percentage of the value of the assets in your account, we have a personal stake in your investment success. Through these programs, we can help you develop a portfolio that balances your needs for safety, growth and current income, and we will review your portfolio’s performance quarterly, semiannually or annually.  Fee-based programs are not designed for excessively traded or inactive accounts, so they may not be right for you.  Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services, including fees and expenses.  During periods of lower trading activity, your costs might be lower if our compensation were based on commissions.

Estate Investment Planning

We can help you review or develop an estate investment plan to simplify the transfer of your estate after death.  Proper estate planning utilizes lifetime gifts and trusts to potentially reduce your estate tax liability.  We can work with you and your other professional advisors – including your CPA and attorney – to develop a strategy that is most appropriate for your circumstances.  By taking steps today to review your will and estate documents with your professional advisors, you could protect your heirs from substantial delays, fees and taxes.  Wells Fargo Advisors does not render legal, accounting or tax advice.  Please consult your tax or legal advisors before taking any action that may have tax or legal consequences.

Education Funding

Paying for college has never been easy, especially for families with competing financial goals.  We can help you establish a 529 college savings plan for your child or grandchild.  The 529 plan offers you professionally managed, tax-advantaged portfolios to help meet rising college expenses.  Please consider the investment objectives, risks, charges and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest.