Investment Philosophy

We believe that the preservation of capital needs to be balanced with growing one's capital to maintain purchasing power. We believe having exposure to common stocks (either directly or through suitable investment managers) offers the best way for most clients to reach their financial goals.  We encourage all clients to have a percentage of their financial assets invested in stocks.  We believe diversification across different types of stocks and stock markets along with different asset classes remains the prudent way to achieve best outcomes. 

We believe that frequent communication is essential to help achieve performance objectives and goals.  To guide investment decisions we recommend allocations in a manner that is designed to provide diversification, reduce risk, and enhance tax efficiency.         

Our team assists clients in areas that include, but are not limited to the following:

  1. Cash flow planning

  2. Tax preferenced withdrawal or ordering strategies (asset location planning)

  3. Wealth transfer strategies and family meetings with adult children (when appropriate)

  4. Beneficiary naming

  5. Social security claiming strategies

  6. Education planning for children and grandchildren

Lastly we work closely with many of our clients' other professional partners including their tax planners, CPAs, estate and trust lawyers.

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.