Our Services
Comprehensive Wealth Management Planning
Using Wells Fargo Advisors' Envision® planning software, we are able to customize a unique plan for each client. We start by sitting down with you to understand where you are at right now and where you want to be in the future. Through our discussion, we recognize where your priorities stand and how comfortable you are with risk. Once the plan is created, we will be able to recommend an investment strategy to help you meet your goals. After the strategy is put into place, Envision will update daily and we will review your progress.
Investment Management
After creating a customized Envision plan and understanding our client’s risk tolerance, goals and time horizon, we will recommend investments that fit their personal situation. Using this approach, we tailor an investment strategy that the client is comfortable with. We have the independence to use a wide variety of investment vehicles including individual stocks and bonds, mutual funds, ETFs, and much more. From the professional standpoint, we focus on fees, taxes, and performance, however; the fourth leg of the stool is comfort. We always strive to balance all four of these key factors and ensure that our clients are comfortable with their investments and their financial future.
Qualified Retirement Plan Advisory
Retirement plans are one of the most important benefits a company can offer to its employees. We help corporations and non-profit organizations establish, renew, structure, and manage the most appropriate retirement plan for their situation. We have the independence to work with any plan provider, giving us the freedom to choose a provider that fits each organization’s goals, preferences, and comfort level.
We take a full service approach to all retirement plans that we help manage. We see it as our job to help each participant understand what it will take to reach his or her retirement goals. This is carried out through a number of educational and planning services.
Estate and Wealth Preservation Strategies*
Estate laws are complex and ever-changing. Failure to anticipate their impact could adversely affect your legacy. We work in conjunction with you and your other professional advisors to develop an estate plan that fits your needs.
Important considerations in an estate plan may include:
- Updating your will
- Durable powers of attorney
- Avoiding probate
- Transferring property
- Reducing gift and estate taxes
- Unlimited marital deduction
- Annual gifting to heirs
- Trust planning
Tax Reduction Strategies*
We help clients recognize opportunities to reduce the portion of their tax liability that stems from their investments. Ideally, we would like to have a strong relationship with your tax advisor in order to coordinate a tax strategy that fits your needs.
Risk Management Strategies**
Insurance plays an important role in wealth management. We help our client’s understand the purpose of life, long term care, and disability insurance, and determine if they would benefit from implementing one or more of these risk management strategies into their investment plan.
Access to Lending Services
We see it as our responsibility to assist our clients with both sides of their balance sheets. Assets and liabilities work together to determine a client’s overall financial health. By leveraging assets, it is possible to take advantage of lending strategies that help smooth out cash flows, fund major purchases, and avoid selling positions that could result in taxable capital gains due to unexpected events. Through our affiliation with Wells Fargo, we have access to lending specialists who will assist with your lending needs on either a personal or business basis.
Lending services available include:
- Securities-backed lines of credit***
- Mortgage loans
- Home equity lines and loans
- Business loans
- Construction financing
- Additional lending services
If you have a question or would like to schedule an appointment, feel free to e-mail John Hurlow at jhurlow@wfafinet.com.
* Hurlow Wealth Management Group Inc. and Wells Fargo Advisors Financial Network do not provide legal or tax advice. However, we will be glad to work with you, your accountant, tax advisor and/or attorney to help you meet your financial goals.
** Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
*** There are risks associated with borrowing against securities as collateral. Please read your Agreement and Disclosure Statement, which will be included in your application packet. The proceeds from an asset backed loan may not be used to purchase additional securities
Lending and other banking services available through the Lending and Banking Services Group of 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 399801); (Wells Fargo Home Mortgage and Wells Fargo Home Equity Group are divisions of Wells Fargo Bank, N.A); and Wells Fargo Equipment Finance, Inc. All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice. Lines of credit are subject to credit approval, verification and collateral evaluation. Initial credit decision is subject to your meeting specific underwriting requirements, and final approval will be based upon your satisfying these requirements. Program terms and conditions are subject to change without advance notice. Other restrictions may apply. Securities-backed lending has special risks and is not suitable for everyone. If the market value of your pledged securities declines below required levels, you may be required to pay down your line of credit or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of your pledged securities. The sale of your pledged securities may cause you suffer adverse tax consequences. You should discuss the tax implications of pledging securities as collateral with your tax advisor. Wells Fargo Advisors is not a tax or legal advisor. All securities and accounts are subject to eligibility requirements. Please read all lines of credit documents carefully. The proceeds from an asset backed loan may not be used to purchase additional securities. Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network.
|
