Business Philosophy

Should it be a mutual fit for us to work together, we will always provide personalized, professional and quality service where we always work for your best interest.  We will develop an Envision® plan that identifies your current financial position, we will establish and help to identify goals as to where you want to be and then establish a strategy on how to accomplish those goals.  We regularly monitor your plan and your investments so that we may recommend updates to your plan and changes in investment strategy in response to changes in your life.  

Our approach to investing is disciplined and we avoid reactions to short-term events.  We are also able to offer an array of products and services, which are not limited to Wells Fargo Advisors products and services.  At all times you will have two advisors who are familiar with your accounts and your goals to enhance responsiveness for any questions that may arise.  We request an annual review and more frequently when appropriate.  This can be in person or by telephone depending upon your location and personal preference.

We expect an open dialog so that we may be aware of any changes that may impact your financial position such as tax situations, job changes, births, deaths, marriages or any change in goals.  It is critical to maintain this open communication as we work together.  Any and all questions are important.  We always respond to our telephone calls from you within a very timely manner and we also expect the same of you.

We are compensated primarily by assets under management, typically through managed money programs where a flat annual fee covers all costs.  In these programs, we engage with an experienced investment management team monitored by our group and by Wells Fargo Advisors Global Manager Research (GMR) team.   Transactions such as buying or selling of stocks, bonds, or mutual funds in these accounts are typically done without incurring any trading commissions.  If the circumstances dictate, clients will have an account or accounts that make infrequent changes and pay us on a transactional basis. 

Advisory programs are not designed for excessively traded or inactive accounts and may not be suitable for all investors.  We need to review your investment objectives, risk tolerance and liquidity needs before we introduce suitable managers/investment programs to you.  During periods of lower trading activity, your costs might be lower if our compensation were based on commissions.  Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services.  Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments.  An investment in the stock market should be made with an understanding of the risks associated with common stocks, including market fluctuations.  All investing involves risk, including the possible loss of principal.  Asset allocation and diversification cannot eliminate the risk of fluctuating prices and uncertain returns nor can they guarantee profit or protect against loss in declining markets.  Wells Fargo Advisors is not a tax or legal advisor.  Global Manager Research is a division of Wells Fargo Investment Institute, Inc. (WFII).  WFII is a registered investment adviser and wholly-owned subsidiary of Wells Fargo & Company and provides investment advice to Wells Fargo Bank, N.A., Wells Fargo Advisors and other Wells Fargo affiliates.  Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.