Our Process & Your Investment Plan



Our Process:


Understanding Our Clients: We begin by working with you to define your priorities, clarify your goals, and determine your tolerance for risk.


Develop a Plan: We design a comprehensive investment plan based on your information, tolerance for risk, goals, and objectives.


Implement the Plan: We thoroughly review the investment plan with you and begin implementation based on an agreed upon time-line.


Review and Update the Plan: We continually review the status of your investment plan, including asset allocation, and investment performance. In addition we update your plan to accommodate changes in your circumstances.


Your Investment Plan:


Risk Analysis: After thorough inquiring we determine your risk tolerance.


Asset Allocation Analysis1: Based on your risk tolerance we will recommend what percentage should be invested in equities, versus fixed income, cash and when appropriate, alternative investments. We believe this should be reviewed and adjusted for market changes every 6 to 12 months.


Investment Management Analysis2: After the asset allocation is determined we recommend how, what style, and who should manage each class of investments based on the agreed upon investment policy statement.


Retirement Analysis: This provides you with a road map as to how much you will likely have to save, and what type of potential return on your investments will be required to reach your retirement goals. This should be updated annually to adjust for changing market conditions.


Asset Protection Analysis3: We will determine current life insurance requirements based on your current liability, debt, future education, and estate tax requirements.


Education Planning Analysis: Review the potential future cost of education for children and grandchildren, and outline the various options currently available to help fulfill this need.


Estate Planning Analysis: We review with you the importance of properly titling your assets, what roles a will and trust have in transferring your wealth, and how the various forms of power of attorney interact with your estate plan.


1Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.


2Independent money management may not be suitable for all investors.


3Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo Advisors and are underwritten by unaffiliated insurance companies.


Wells Fargo Advisors Financial Network is not a legal or tax advisor.  However, its Financial Advisors will be glad to work with you, your accountant, tax advisor and/or attorney to help you meet your financial goals.