Our Services
Retirement Planning
Helping you make the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably—help managing assets before and during retirement.
Tax Planning Strategies
Developing tax-efficient investment strategies by looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists.
Employee and Executive Benefits
Helping your business attract and retain qualified employees through benefit packages.
Education Funding
Recommending investment and accumulation strategies to help you pay for your children's education.
Risk Management
Reviewing existing insurance policies. Finding the best policy for your situation.
Professional Investment Management
Determining your asset-allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach your goals.
Estate Planning Strategies
Working with estate-planning and trust specialists available through Wells Fargo Advisors Financial Network and its affiliates to help review your wills and trusts, preserve your estate for your intended heirs, establish beneficiary designations, and reduce potential exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.
How Do We Get Paid ?
Although many investors seem to be suspicious of how financial advisors get paid, it is not difficult to understand how we make a living. There are three ways to compensate a financial advisor:
Commissions
Advisor receives a commission each time he/she sells a particular product.
Fee-Only
Advisor charges a percentage fee based on the assets under management. A typical fee is in the range of 1%-2% annually. Typically, the more assets under management, the lower the cost.
Fee + Commission
Advisor charges a fee based on assets under management as well as offering investment products for a commission. The majority of our business is derived from the fee only option. While we believe this pricing model is in the best interest of most investors, for many reasons, it is not the approach that we recommend for particular clients. With a fee-only platform, calculating fees as a percentage of the assets we manage enables us to operate on a more relationship basis, rather than a transactional one. We continually seek to add value to our partnership with our clients by assisting them with an assortment of financial issues, well beyond just managing their investment portfolio.
For instance, an all-inclusive fee encompasses a broad spectrum of personalized services, including estate investment planning, college planning, insurance planning, and retirement planning, not to mention consultation with client's CPAs and estate planning attorneys. With the fee-only compensation model, clients know precisely what they are paying. There are no hidden costs, and fees are 100% transparent. We have always advocated that price should only be an issue in the absence of value. Clients want and deserve value for the fee they are paying. It is our responsibility to deliver that value.
*Fee-based accounts are not designed for excessively traded or inactive accounts and may not be appropriate for all investors.
Wells Fargo Advisors Financial Network and its affiliates do not provide legal or tax advice. Transactions requiring tax consideration should be reviewed carefully with your accountant or tax advisor. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.
Insurance products offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.