Comprehensive Wealth Management Strategies

We have in-depth experience in financial strategies and investment management, but we also bring professionals with the expertise necessary for a successful wealth management plan. We will also work with any professionals with whom you already have a relationship.

  • Retirement Planning

    Review, assess and plan for your retirement years.

  • Family Needs Planning

    Investment planning for special family circumstances.

  • Liability Management

    Access to lending services through Wells Fargo affiliates.

  • Business Succession Planning

    Succession planning and advice for business owners.

  • Executive Compensation

    Assistance with various non-salary compensation options for business executives.

  • Insurance

    Reviewing goals and helping you understand the various insurance products available.

  • Estate Planning Strategies

    Long-term estate planning and wealth management strategies.

Case Study: Discipline
Retired Executive

MPW Client: Age 65+, recently retired executive with adult children and grandchildren

Blue Folder Discoveries

  • Overexposed to market risk
  • Forced to delay retirement
  • Significant debt load

MPW Actions

  • Rework of investment plan
  • Risk management
  • Planned for an income stream in retirement
  • Restructured portfolios
  • Outlined contribution schedule
  • Insurance and debt review
  • Heightened review schedule

Case Study: Strategy
Business Owner

MPW Client: Age 55+ with large, blended family and aging parents

Blue Folder Discoveries

  • Sold business built over 20 years, creating a one-time multi-million dollar liquidity event
  • Estate tax concerns
  • Future investment needs
  • Generational planning
  • Assisted living for parent

MPW Actions

  • Insurance planning
  • Estate planning strategies through Trusts and gifting
  • Education planning through 529
  • College Savings Plan
  • Overall risk management selection
  • Long Term Care coverage review

Case Study: Expertise
Faith-Based Organization

MPW Client: Well established faith-based organization with multiple endowments

Blue Folder Discoveries

  • No Investment Policy Statement
  • Investment accounts not aligned to goals
  • No organization of accounts
  • Changes in leadership and complete board and committee overhaul

MPW Actions

  • Provided fiduciary auditor resources
  • Guided Investment Policy design process
  • Prepared strategic investment plan
  • Organized and consolidated accounts
  • Set review schedule with new leadership transition

Case Study: Creativity

MPW Client: Late 40's/early 50's, business entrepreneurs with young children

Blue Folder Discoveries

  • Investment needs
  • Business credit facility
  • Multiple properties and mortgages
  • Insufficient insurance
  • 401(k) planning for employees
  • No educational savings for children

MPW Actions

  • Comprehensive investment plan
  • Investment strategy design
  • Liability management
  • Insurance review
  • Trust and estate planning strategies
  • Education planning through 529 College Savings Plan

Case Study: Accessibility
Recent Widow

MPW Client: Early 60's, retired recent widow

Blue Folder Discoveries

  • Income needs through retirement
  • Multiple investment and annuity accounts
  • No experience with financial concepts
  • No Long Term Care
  • Mortgage concerns
  • No CPA relationship

MPW Actions

  • Consolidation and simplification of accounts
  • Review of all annuities and interface with insurance companies
  • Investment portfolio redesign
  • Access to lending services through Wells Fargo affiliates
  • Ongoing financial education

Case Study:
Business Retirement Plan
Physician Practice

MPW Client: Doctor practice, Trustee-directed 401(k) and cash-balance plan, Ninety employees

Blue Folder Discoveries

  • Seeking competitive employee-benefit offerings
  • Transitioning to participant-directed 401(k)
  • Ease-of-use online options
  • Low cost
  • Easy Administrative transition
  • Ongoing employee investment planning opportunities

MPW Actions

  • Participant-directed Safe Harbor 401(k) with cash-balance component
  • Comprehensive, due-diligence review of investment options
  • Comprehensive, due-diligence review of low-cost, high-quality, ease-of-use investment options
  • Personalized transition service for each employee
  • Target allocation investment options
  • Employee investment planning

Case Study: Accessibility
Recent Divorce

MPW Client: Early 40's, Independent consultant, Two children

Blue Folder Discoveries

  • Income needs through retirement
  • College education for kids
  • Limited experience with financial concepts
  • Uncertain alimony and child support
  • No CPA relationship

MPW Actions

  • Consolidation and simplification of accounts
  • Insurance review
  • Education funding plan
  • Investment portfolio redesign
  • Access to lending services through Wells Fargo affiliates
  • Ongoing financial education

Case Study: Discipline
University Support Foundations

MPW Client: University support foundations with $600,000 in assets

Blue Folder Discoveries

  • Conservatively biased, narrow range of investment options
  • Excessive risk aversion at the expense of capital return and income
  • Additional endowments

MPW Actions

  • Conducted complete analysis of investment allocation
  • Offered more robust range of investment options
  • Restructured to a risk-appropriate portfolio
  • Portfolio analysis led to the Investment Committees finalizing their Investment Policy Statement
  • Opportunity to consolidate endowment portfolios

Case Study: Strategy
Youth Home

MPW Client: Youth home with a $23 million endowment

Blue Folder Discoveries

  • Investment Policy Statement in need of clarification
  • Lack of consistent reporting for portfolio performance
  • Diversification issues

MPW Actions

  • Increased transparency surrounding holdings and investment decisions
  • Modified and enhanced the reporting and review process
  • Institutional Consulting Services
  • Applied access to global institutional money managers

Case Study: Accessibility
Family Charitable Foundation

MPW Client: Family charitable foundation with $18 million in assets

Blue Folder Discoveries

  • Over 30 family members spanning 5 generations
  • Family Board of Directors
  • Annual distribution requirements
  • Multiple linked business entities with additional $20 million in assets
  • Concentrated positions and sectors
  • No review process
  • Family communication issues

MPW Actions

  • Analyzed all foundation and business documents
  • Established and organized all accounts
  • Adhered to Investment Policy guidelines
  • Set up diversification plan and review schedule
  • Created access plan for all family members

The actions discussed may not be suitable for your personal situation, even if it is similar to the example presented. Investors should make their own decisions based on their specific investment objectives and financial circumstances. It should not be assumed that the recommendations made in this situation achieved any of the goals mentioned. This example is hypothetical and does not represent any specific, investments or strategies. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Diversification does not guarantee profit or protect against loss in declining markets.

Insurance products are available through non-bank insurance agency affiliates of Wells Fargo & Company and underwritten by non-affiliated Insurance Companies. Not available in all states. Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.

This is not, in any way, intended as an invitation to replace your existing coverage. Such an exchange is often not appropriate due to such factors as surrender charges on your existing policy, the surrender charge period on the new policy, transaction costs associated with the exchange, the values of the new policy versus the old policy, and the various fees and expenses associated with the new product. Therefore, replacing an existing policy should only be considered after a careful evaluation of these factors as well as a thorough review of your existing coverage.