Our Philosophy

Planning is of the utmost importance to achieve investment planning goals.  A clear understanding of each client’s personal financial objectives, current financial situation, return expectations and risk tolerance provides an initial starting point.

WE BELIEVE:

  • Strategic Asset Allocation is the most important diversification concept available to help understand risk/return assumptions, and to help obtain realistic total returns.
  • In long-term investing, realizing that it is our best opportunity for reaching our goals.
  • That over time, equities can offer an inflation hedge.
  • Investment styles come in and out of favor with each having their day in the sun.  It is important to maintain a long-term, disciplined approach to investing.
  • Interest rate changes develop over long periods of time and by laddering maturities you can reduce the need to stay short-term or guess at interest rate directions.
  • Today is always the hardest time to invest and the best time to start.
  • Investors are afraid of market declines but they should be more afraid of missing potential future gains.
  • The great long-term risk is outliving your savings. 
  • There will be down markets.  How an investor reacts during these down times can determine ones success, rather than how the investments perform.
  • Striving to keep losses on investments small, but allowing profitable investments to continue to grow. 
  • That you can potentially invest more effectively with our guidance and encouragement.  Our job is to keep clients on an even keel and focused on long-term goals and objectives.


Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (AL, AZ, CA, CO, CT, FL, GA, HI, IL, LA, MA, MS, NE, NV, OR, PA, TX, UT, WA, WI). Securities-related services may not be provided to individuals residing in any state not listed above. Please consult with the FA as s/he may not be registered in all states.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN). Wells Fargo Advisors is the trade name used by Wells Fargo Clearing Services, LLC and WFAFN, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Any other referenced entity is a separate entity from WFAFN.

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

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