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FAMILY FINANCIAL OVERVIEW

  • Clarify family values, goals and objectives
  • Assemble consolidated financial statements
  • Identify and triage immediate financial priorities
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DEVELOP A PLAN

  • Define an ideal and acceptable lifestyle
  • Identify sources of income
  • Optimize spending and saving priorities
  • Implement Envision® plan and financial strategy action plan
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WEALTH AND INVESTMENT MANAGEMENT

  • Executive summary portfolio review
  • Customized portfolio solutions
  • Third party investment management services
  • Cash management services
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LIABILITY MANAGEMENT*

  • Liability analysis and optimization
  • Through Wells Fargo affiliates, you have access to banking services, including:
    • Securities-based lines of credit
    • Small-business financing
    • Credit cards
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RETIREMENT PLANS AND COMPANY BENEFITS

  • Retirement plan analysis and coordination
  • Executive stock compensation strategies
  • Managing and understanding corporate benefits
  • Concentrated equity strategies
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RETIREMENT INCOME PLANNING

  • Design tax efficient streams of income
  • Incorporate life cycle spending strategies
  • Administer required minimum distributions
  • Develop Social Security and Medicare planning strategies
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INSURANCE AND ASSET PROTECTION**

  • Policy reviews and needs analysis
  • Life and disability insurance
  • Extended care planning
  • Wealth replacement strategies
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LEGACY PLANNING AND PHILANTHROPY

  • Beneficiary and account titling review
  • Estate and wealth transfer strategies
  • Philanthropic and gifting techniques
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ADVANCED PLANNING

  • Business succession planning
  • Intergenerational planning
  • Life management services
  • Education planning
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COORDINATION WITH CPA AND ATTORNEY***

  • Collaborative meetings
  • Open and proactive communication
  • Legacy document and tax return reviews
  • Tax control strategies

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”

-Robert Kiyosaki

IMPORTANT DISCLOSURES

*Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), Member FDIC, and Wells Fargo Home Mortgage, 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 the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.

**Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

***The Milholland Financial Group, Wells Fargo Advisors Financial Network and its affiliates are not legal or tax advisors. Trust services available through banking and trust affiliates in addition to nonaffiliated companies of Wells Fargo Advisors Financial Network. Any estate plan should be prepared and reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.