Your story is unique. Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you

Transcription

1 Your story is unique Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you Investment and Insurance Products: NOT FDIC Insured u NO Bank Guarantee u MAY Lose Value

2

3 A team of local professionals focused on your needs Your relationship with your Wells Fargo Advisors Financial Advisor is built on a full understanding of your financial needs and goals. Because your financial needs are complex, you may benefit from the products and services offered through Wells Fargo Private Bank. Your Financial Advisor can work with local professionals from The Private Bank, specialists who can offer you customized services including wealth planning, lending, 2 and trust services. 1-4 The trust services may include estate settlement, life management services, special needs trust services, philanthropic services, and non-financial asset management such as real estate asset management, business advisory services, and oil, gas, and mineral management. Working together to meet your holistic needs When your Financial Advisor introduces you to a team of specialists from The Private Bank on your behalf, you can be confident that the whole team not only knows you, they know each other. This personalized approach backed by the full spectrum of Wells Fargo offerings works to help bring your financial assets, needs, and goals together so that a well-integrated, comprehensive wealth plan can be created. 3

4 Your Financial Advisor teams with local professionals from Wells Fargo Private Bank to serve you We offer a customized approach and a high level of personalized service that is designed to meet your unique financial needs. Using credit strategically by working with a Private Banker Interested in making a significant purchase without selling current assets? Strategic borrowing, when used appropriately, can benefit you, especially if you have assets that are not easily converted into cash or you prefer to keep your portfolio intact. Whether you want to make a significant purchase, manage a tax liability, or simply want access to funds while retaining assets, a carefully structured loan through Wells Fargo Private Bank can be an effective financial tool. Want to help smooth out uneven cash flows? Your income may fluctuate substantially during the year due to the timing of dividends, sales commissions, partnership distributions, or other periodic sources of income. Credit strategies can help smooth out your cash flow. Obtaining access to funds from products and services offered through Wells Fargo Private Bank can help you maintain liquidity and flexibility without depleting your cash reserves or altering your long-term financial strategies. Wondering about financing opportunities for a high-dollar purchase or life event? You can depend on your Private Banker to provide access to an array of products that are reflective of your borrowing needs whether you need a loan, a line of credit, or a customized credit product for purchasing commercial real estate, financing the purchase of private aircraft, or funding life insurance premiums 4. Are you interested in commercial real estate financing? Whether you are looking to purchase or refinance real estate, we can provide access to commercial financing products appropriate to your needs, including investment property an apartment complex, a shopping mall, office space retail property. 4

5 Working with a Regional Wealth Planner from Wells Fargo Private Bank helps you create a clear picture of your financial future Wells Fargo has one of the largest and most experienced planning teams in the industry. Regional Wealth Planners are located in markets across the United States allowing them to provide you direct face-to-face support and holistic, unbiased guidance throughout your planning experience. Are you looking for assistance in creating a clear path to your financial future? Effective wealth planning is about you. It can help you and your family define and track progress toward your future while giving you the confidence to act decisively in the present. Many clients have a number of financial concerns that together impact a multitude of financial areas. To arrive at a solution that meets your needs, your Financial Advisor can introduce you to a Wells Fargo Regional Wealth Planner to develop a thorough and integrated analysis. How do your decisions align with your intention? Using a full-picture, goals-based approach including your existing Envision plan Your Regional Wealth Planner can collaborate with you to align to your finances with your values, family dynamics, and long-term vision for your legacy. Do you have wide-ranging complex issues that need to be addressed? Modeling outcomes of various scenarios and assessing the financial impact of future decisions may allow your Regional Wealth Planner to help you recognize potential roadblocks along the way, offer strategic guidance, and identify actionable strategies to help put you on a successful path and keep you there. From start to finish, your Regional Wealth Planner will chart your overall financial course and oversee the development and execution of your plan. Would you value assistance in implementing your plan? A written plan that is never put into action is just a piece of paper. Once you have made decisions and your plan has been finalized, your Financial Advisor and Regional Wealth Planner will work with you and your other professional advisors, as appropriate, to implement it. Creating your custom plan can provide you a clear path so you can confidently move forward building, managing, preserving, and transitioning your wealth. As life changes, how can you ensure your plan stays on track? Effective planning is an ongoing process, not a one-time event. To add real value, your plan must be implemented, monitored, and adapted over time. Your Financial Advisor and Regional Wealth Planner are here to revisit your plan with you when you have life changes, or when external factors such as legislative and tax changes occur. They will work with you to determine the impact and make adjustments as needed to keep you on your path to financial success. 5

6 A Wells Fargo Private Bank fiduciary specialist can help you transition your wealth Is your estate plan designed to accomplish your objectives? A well-executed estate plan can help you know that your family members will be cared for and your wishes will be followed if you become incapacitated or pass away. As a corporate fiduciary, Wells Fargo Bank, N.A. (WFB) can be named in your estate planning documents as a successor trustee, co-trustee, personal representative, or executor and may step in to serve and carry out your plan when a triggering event (e.g. incapacity or death) occurs. Are you making the most of your philanthropic giving? Investment, Fiduciary & Trust specialists can help you and your family evaluate your giving strategies, determine your objectives, and create a comprehensive, tax-efficient gifting plan*. If you have your own foundation or nonprofit, Wells Fargo philanthropic specialists can even manage the day-to-day operations, giving you more time to focus on your big-picture goals. *Wells Fargo Advisors lis not a tax or legal advisor. Are you ready to sell or transition your business? Business advisory specialists offer a full spectrum of services and strategies to help you and your advisors plan for the transition or sale of your business to the next generation, to your employees and associates, or to a third party. Would you like assistance in managing your real estate portfolio or help acquiring properties? Real estate asset managers will seek to optimize your portfolio s potential while addressing the specific risks and challenges associated with owning real property. They are experienced in asset management and property management oversight for residential, commercial, agricultural, timber, vacant, and development properties. 6

7 Do you have concerns about financially caring for a loved one with special needs? Wells Fargo s Investment, Fiduciary & Trust professionals can work with individuals, families, or guardians to set up a special needs trust that can help meet long-term cash flow needs and enhance your loved one s quality of life. This could include finding a caregiver, buying an accessible vehicle, or making modifications to your home. Do you need professional help in negotiating leases or royalty arrangements for oil, gas, and mineral interests? Let Wells Fargo s Investment, Fiduciary & Trust specialists help you navigate the complexity of managing oil, gas, and mineral assets in fast-changing market conditions. Services include lease negotiation, cash flow management, and monitoring contracts. Are you concerned about how you will maintain your personal and financial independence as you age? Wells Fargo s Investment, Fiduciary & Trust specialists can work with you and help handle the details complex or mundane of your wealth, your finances, and your personal well-being. With help coordinating services and addressing day-to-day concerns, you ll be free to enjoy the priorities that are most important to you. Do you have a desire to pass wealth on to multiple generations? Creating a meaningful legacy can be difficult. You may want to ensure the financial well-being of your children as well as your grandchildren, great-grandchildren, and beyond. Multigenerational planning and dynasty trust administration can help protect your legacy from the corrosive impact of transfer taxes, so your values and ideals can be preserved and shared with generations to come. 7

8 With all the services and levels of support Wells Fargo Bank can offer you, how do they all come together especially if you have complex financial needs? Based on your needs and with your consent, your Financial Advisor can build a team of local Wells Fargo Private Bank professionals continually keeping your trusted professional advisors, such as your CPA or attorney, closely informed. As the relationship manager, your Financial Advisor will remain present and available throughout your transaction process. You Your Attorney Your CPA Financial Advisor = Relationship Manager Lending & Banking Services Wealth Planning Services Investment, Fiduciary & Trust Services We want to hear your story. No matter how complex your financial picture, our team of professionals is ready to assist. To learn more about putting a team of specialists from the Wells Fargo Private Bank to work for you, call or meet with your Financial Advisor today. 8

9 The Wells Fargo Private Bank Services For information about The Private Bank and how Wells Fargo can help you meet your goals, visit wellsfargoprivatebank.com or contact your Financial Advisor at Wells Fargo Advisors today. Private Banking 2 Wealth Planning 1 Investment & Fiduciary Services 2 Lending Products Real Estate Financing- Commercial Properties Specialized Financing, including Art, Aircraft and Life Insurance Premium Financing Interest Rate Risk Management Strategies 3 Comprehensive Wealth Planning Retirement and Cash Flow Planning Investment Planning Estate, Wealth Transfer, and Philanthropic Planning Strategies Risk Management Planning Business Transition Planning Real Estate Planning Executive Compensation Planning Tax Planning Strategies (state-specific) Estate Services Philanthropic Services Business Advisory Services Real Estate Asset Management Special Needs Trust Services Life Management Services Oil, Gas, and Mineral Management Legacy Trust Trust Services 9

10 1 Wells Fargo & Company and its affiliates do not provide legal advice. Please consult your legal and tax advisors to determine how this information may apply to your own situation. 2 Wells Fargo Private Bank provides products and services through Wells Fargo Bank, N.A. and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company. 3 Wells Fargo & Company offers swaps, foreign exchange hedging products and foreign currency risk management solutions through Wells Fargo Bank, N.A., which is a swap dealer registered with the Commodity Futures Trading Commission ( CFTC ) and a member of the National Futures Association ( NFA ). Balances held offshore, including multi-currency accounts and foreign deposits, are not FDIC-insured, may lose value, and are not guaranteed Foreign Exchange and Interest Rate Risk Management products and services are subject to customer qualification. 4 Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo & Company. Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking affiliates of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID ). Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by New Hampshire banking department. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Envision is a registered service mark of Wells Fargo & Company and used under license. Wells Fargo Private Bank provides products and services through Wells Fargo Bank, N.A., Member FDIC, and its various affiliates and subsidiaries. Wells Fargo affiliates may be paid a referral fee in relation to clients referred to Wells Fargo Bank, N.A. Wells Fargo Bank, N.A. (the Bank ) offers various advisory and fiduciary products and services. Financial Advisors of Wells Fargo Advisors may refer clients to the bank for an ongoing or one-time fee. The role of the Financial Advisor with respect to bank products and services is limited to referral and relationship management services. The Bank is responsible for the day-to-day management of non-brokerage accounts and for providing investment advice, investment management services, and wealth management services to clients. The Financial Advisor does not provide investment advice or brokerage services to Bank accounts but does offer, as applicable, brokerage services and investment advice to brokerage accounts held at Wells Fargo Advisors. The views, opinions, and portfolios may differ from our broker-dealer affiliates. Wells Fargo & Company and its affiliates do not provide legal advice. Please consult your legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your taxes are prepared. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice estate law in your state. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. 2014, Wells Fargo Clearing Services, LLC. All rights reserved [92789-v3] Rev03, 1 each

11

12