• Investment Management - We design asset-allocation strategies to help you properly balance your portfolio risk to reflect your need for growth and/or income.  Stocks, bonds, commodities related securities and cash, along with alternative investments, including exposure to private equity, venture capital, hedge funds, private infrastructure, credit and real estate related securities.  We strive for improved risk-adjusted returns for any investment objective.

• Wealth Management Plan - Concise assessment of your current and future financial health using our Family Wealth Advantage process, a complete step-by-step wealth management and planning process that will help get you on track!  Also included is your eMoney Plan – Connecting your money to what’s important in your life.  eMoney is the gold standard in the wealth planning industry.

• Retirement Strategies - Retirement strategies designed to help build the assets you need to achieve a comfortable retirement and then convert some or all of your savings into an income stream post-retirement.

• Insurance Needs Analysis - Identifying how much and what kind of insurance you should be considering to protect what's important to you.  Life insurance, Long-Term Care Insurance and Disability.

• Estate Planning Strategies - Estate planning strategies to help protect your heirs from substantial delays, fees and taxes.

• Philanthropy and Gifting - Philanthropy planning helps you give smarter – weather it’s tax-smart donations, setting up a donor advised fund or family foundation.  It’s about creating a legacy that lasts.

• Coordination Among Your Advisors - Coordinating recommendations from your attorney, accountant and other professional advisors as needed

• Reviews - Comprehensive reviews of your overall investments and wealth management plan.

*Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.  Wells Fargo Advisors Financial Network does not provide legal or tax advice.  Be sure to consult with your own tax and legal advisors before taking any action that may have tax or legal consequences.

Alternative investments, such as hedge funds, funds of hedge funds, managed futures, private capital, real assets and real estate funds, are not appropriate for all investors. They are speculative, highly illiquid, and are designed for long-term investment, and not as trading vehicle. These funds carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. The high expenses associated with alternative investments must be offset by trading profits and other income which may not be realized. Unlike mutual funds, alternative investments are not subject to some of the regulations designed to protect investors and are not required to provide the same level of disclosure as would be received from a mutual fund. They trade in diverse complex strategies that are affected in different ways and at different times by changing market conditions. Strategies may, at times, be out of market favor for considerable periods with adverse consequences for the fund and the investor. An investment in these funds involve the risks inherent in an investment in securities and can include losses associated with speculative investment practices, including hedging and leveraging through derivatives, such as futures, options, swaps, short selling, investments in non-U.S. securities, “junk” bonds and illiquid investments. The use of leverage in a portfolio varies by strategy. Leverage can significantly increase return potential but create greater risk of loss. At times, a fund may be unable to sell certain of its illiquid investments without a substantial drop in price, if at all. Other risks can include those associated with potential lack of diversification, restrictions on transferring interests, no available secondary market, complex tax structures, delays in tax reporting, valuation of securities and pricing. An investment in a fund of funds carries additional risks including asset-based fees and expenses at the fund level and indirect fees, expenses and asset-based compensation of investment funds in which these funds invest. An investor should review the private placement memorandum, subscription agreement and other related offering materials for complete information regarding terms, including all applicable fees, as well as the specific risks associated with a fund before investing.

Hedge funds trade in diverse complex strategies that are affected in different ways and at different times by changing market conditions. Strategies may, at times, be out of market favor for considerable periods which can result in adverse consequences for the investor and the fund. There is no guarantee any hedging strategy will be successful or not incur loss. Hedge fund strategies, such as Equity Hedge, Event Driven, Macro and Relative Value, may expose investors to the risks associated with the use of short selling, leverage, derivatives and arbitrage methodologies. Short sales involve leverage and theoretically unlimited loss potential since the market price of securities sold short may continuously increase. The use of leverage in a portfolio varies by strategy. Leverage can significantly increase return potential but create greater risk of loss. Derivatives generally have implied leverage which can magnify volatility and may entail other risks such as market, interest rate, credit, counterparty and management risks. Arbitrage strategies expose a fund to the risk that the anticipated arbitrage opportunities will not develop as anticipated, resulting in potentially reduced returns or losses to the fund.

Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.