Multi-strategy investment management with a focus on flexibility

We believe to succeed in today’s complex markets, you need objective advice that you can rely on and trust.  As your financial advisors, we work with you to determine an investment strategy to help you meet your investment goals, whether you are seeking to build a long-term investment portfolio, generate retirement income, or achieve another goal. We work together to create a customized portfolio using a variety of account management options including advisory accounts, client or FA directed accounts, and/or traditional brokerage accounts using investment vehicles including individual stocks, bonds, mutual funds, ETFs and more.   Advisory    Traditional Brokerage

Why Advisory?

To succeed in today's complex markets, you need objective advice that you can rely on. Sometimes, the best advice is to hold steady and maintain your investments. Other times, the best advice is to take immediate action. Above all, you need advice you can trust. It can be challenging to keep abreast of the market and to continually manage and monitor your investment portfolio. With thousands of money managers, most people do not have the time or the resources to perform the necessary due diligence and analysis on the investments for their portfolio, or perform the necessary analysis to build a portfolio in the first place-rather than a collection of investments. Read More

Fees for advisory programs include Advisory services, performance measurement, transaction costs, custody services and trading. Fees are based on the assets in the account and are assessed quarterly. These fees do not cover the fees and expenses of any underlying exchange traded funds, closed-end funds or mutual funds in the portfolio, which also carry inherent risks related to the product's underlying investments. There are minimum fees and account sizes to maintain these types of accounts. Advisory accounts are not designed for excessively traded or inactive accounts, and are not appropriate for all investors. During periods of lower trading activity, your costs might be lower if our compensation were based on commissions. We need to review your investment objectives, risk tolerance and liquidity needs before we introduce appropriate managers/investment programs to you. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services, including fees and expenses.

Personalized Unified Managed Account - Multi-strategy portfolios with a focus on flexibility

Wells Fargo Advisors Personalized Unified Managed Account (Personalized UMA) is a unified managed account that offers access to a variety of investment  strategies on a single wealth management platform. Unified Managed Accounts (UMAs) allow you to combine mutual funds, exchange-traded funds (ETFs), separately managed accounts (SMAs), annuities and Wells Fargo Investment lnstitute's professionally managed blends into one comprehensive account, which may be customized in an effort to meet your investment goals.

Custom Choice - Personalized investment portfolios built on the principles of diversification

CustomChoice is a client-directed advisory program that allows investors to construct a portfolio of mutual funds, including institutional share class, no-load, and load-waived mutual funds, which makes it easy for them to achieve broad diversification. In addition to performance monitoring and automatic allocation rebalancing, the program offers objective advice and assistance in constructing a customized investment plan and strategy. Read More

FundSource^® - Professionally managed, diversified mutual fund portfolios

The FundSource program offers investors access to personalized professionally managed portfolios of mutual funds. Portfolios are constructed by Wells Fargo Investment Institute from a recommended universe of more than 650 mutual funds. Mutual funds on the recommended list have been carefully selected based on an extensive evaluation of the fund's management team, investment process, and performance. The cornerstone of the portfolio construction process begins with the firm's asset allocation guidance and optimization process. Optimal Blend portfolios are constructed to provide investors access to a broad range of investment strategies designed for various risk/return profiles. Your Financial Advisor can help you determine the most appropriate Optimal Blend portfolio strategy for your investment goals and tolerance for risk. FundSource offers more than 60 predefined Optimal Blend portfolios, or investors may work with their Financial Advisor to personalize asset allocations of funds using research recommended funds. 

Exchange Traded Funds - Professionally managed, diversified ETF portfolios

Exchange-traded products (ETFs) at their core are securities which derive their value from a basket of securities such as stocks, bonds, commodities, or indices, and are traded similar to individual stocks on an exchange. When you purchase an ETF, you are purchasing shares of the overall portfolio, not the actual shares of the underlying investments or index components. Passively-managed ETFs can track a wide variety of sector-specific, country-specific, and broad-market indices, while actively-managed ETFs do not track any particular index. ETFs may provide diversification to your overall portfolio because one share or one unit may represent multiple underlying stocks, bonds, and/or other asset classes. Read More

ETFs seek investment results that, before expenses, generally correspond to the price and yield of a particular index. There is no assurance that the price and yield performance of the index can be fully matched.

Asset Advisor - A Client-directed advisory program

The Asset Advisor program allows you to work with your Financial Advisor to create an individualized investment portfolio that you direct. It includes the benefit of one-on-one consultations to establish an investment plan, professional investment advice based on objective research and customized to your objectives and ongoing portfolio monitoring and service.

Stocks and Bonds

Stocks are securities that represent an ownership share in a company. For companies, issuing stock is a way to raise money to grow and invest in their business. For investors, stocks are a way to grow their money and outpace inflation over time. A bond is a loan from an investor to a borrower such as a company or government. The borrower uses the money to fund its operations, and the investor receives interest on the investment. The market value of a bond can change over time. 

Investing in Mutual Funds

A mutual fund is a company that pools money from many investors and invests in a single portfolio of securities that is professionally managed. The mutual fund company owns the underlying investments, and the individual investors own shares of the fund. The fund manager is responsible for selecting and diversifying the fund's investments to meet the fund's investment objective while managing risk. Funds generally invest in a variety of investments, including U.S. or international stocks, bonds, or money market instruments. Today, a wide variety of mutual funds are available and many funds are increasingly complex or specialized or employ complicated investment strategies, such as leverage and short selling. In addition, complex funds more commonly invest in alternative investments, such as commodities, foreign currencies, and derivatives. It is important to have a complete understanding of the investment strategies and underlying products to understand the mutual fund's value to associated risks. For example, the level and type of risk associated with mutual funds may vary significantly from one fund to another. Complex funds in particular are subject to a number of risks, including increased volatility and greater potential for loss, and are not appropriate for all investors. Before investing in any mutual fund, you should read about these risks, which are explained in detail in each mutual fund's prospectus, and discuss your investment goals and objectives with your financial advisor. Read More

Returns and principal value of a mutual fund will fluctuate so that shares, when redeemed, may be worth more or less than their original cost.

Unit Investment Trust

A unit investment trust is a registered investment company which generally purchases a portfolio of stocks, bonds, or other securities. The portfolio is typically fixed and not actively managed or traded; the portfolio's securities are held relatively unchanged for the life of the UIT. A unit investment trust sponsor typically makes a "public offering" of "units" of the trust that represent an undivided ownership in the entire portfolio. When investors, called "unit holders," purchase units, they typically pay initial and deferred sales charges; these charges are discussed in more detail below. 

Annuity Contracts

An annuity is a contract between you (the contract owner) and an insurance company. You purchase an annuity contract by making either a single payment or a series of payments. Once an annuity contract has been purchased, the insurance company agrees to make periodic payments to you, beginning either immediately or at some future date. Depending on the insurance company's policy, you may have to begin making withdrawals, either systematically or as an annuitization, when you reach a specific age (i.e., age 80 or 90) as described in the contract or offering material prepared by the insurance company. Not all of the annuity contracts and benefits described below are available in all states. Ask your financial advisor about what is available in your state. to learn more about how annuities can help you achieve your investment goals, talk to your Financial Advisor today. Read More

Variable annuities are long-term investments appropriate for retirement funding and are subject to market fluctuations and investment risk. Guarantees are based on the claims-paying ability of the issuing insurance company. Guarantees apply to minimum income from an annuity; they do not guarantee an investment return or the safety of the underlying funds. 

We aim to balance risk and reward by creating a Customized Financial Strategy to meet your investment goals, risk tolerance and investment time horizon.