Investment Management Lifecycle

Our eMoney® planning process lets us map a realistic financial course designed to help you prioritize and achieve your most important goals through various stages of life.

Based on your objectives, risk tolerance, investment time horizon and current financial situation, we assist you in developing a plan of action and asset allocation that is suitable for your objectives without exposing you to unnecessary risk.

Establish customized benchmarks unique to your plan and objectives to chart your progress toward reaching your goals.

Adjust your plan as necessary to account for life’s changes, new opportunities and unexpected events.

Charting Your Progress

The eMoney Target Zone serves as a foundational tool.

As your goals change, or life events create a need, we use eMoney process to re-evaluate how these changes affect your priorities.

Your eMoney plan will create a benchmark unique to your goals and circumstances as a way to track progress along the way.

^{Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.}

529 Savings Plans

The first-year college tuition bill in 2035 is projected to be $33,880 1 for an in-state average public education institution and $82,862 for an average private institution. Building the assets you’ll need to fund a child’s or grandchild’s education is a challenge, but you may be able to meet it by contributing to a 529 plan

Tax Treatment of Capital Gains and Dividends

How you manage your capital gains and losses and the type of dividends generated by your portfolio can play a major role in determining your after-tax return. To help get the greatest benefit from current tax law, there’s important information you need to understand.

Dollar Cost Averaging

Market fluctuations can make it difficult to determine the best time to invest. A widely accepted investment strategy called dollar cost averaging can help smooth out market fluctuations. The key to this long-term strategy is persistence. Whether the market rises or falls, dollar cost averaging can work in your favor.

Understanding Wash Sales

When you sell an investment at a loss, the IRS lets you deduct the loss from other capital gains. If you want to continue to be invested in the security the IRS’s wash sale rule requires you to accept the risk of being out of the investment for 30 days either before or after the date when the transaction occurs creating the loss.

Qualified Plan Retirement Checklist

When you are a Plan Administrator or a trustee as a named fiduciary for a qualified plan, you must comply with all ERISA rules

Tax Rules for Children

The IRS requires all individuals, regardless of their age, to file an income tax return when their income meets minimum thresholds. This requirement extends to your children.

Saving for College

Giving children and grandchildren the opportunity of a lifetime

2025 Retirement Contributions

As fewer companies offer pensions and Social Security makes up less of the average retiree’s income, you will have to rely more on your own savings for retirement. Making contributions to IRAs and workplace retirement plans (WRP), such as a 401(k), 403(b), SEP IRA, or SIMPLE IRA is an easy way to save for retirement.

^{Wells Fargo Advisors Financial Network does not provide legal or tax advice.}

^{Please consider the investment objectives, risks, charges and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest.}