We seek to utilize lower fees and an eye toward tax-efficiency could mean better long-term investment results. We seek to utilize lower cost, efficiently-managed investments to create your diversified portfolio. Our investment philosophy is built on three cornerstones:


Because asset allocation can be a main driver of your portfolio’s return, we aim to balance risk and reward by aligning your portfolio to meet your investment goals, risk tolerance and investment time horizon.

Due Dilligence

Our approach to investment selection is to identify and use lower-cost investments such as Exchange Traded Funds (ETFs), index funds and separately managed accounts to help reduce investment expenses and meet your financial goals. We seek long-term, consistent results. We are analytical in our manager selection and meet directly with investment managers to better understand their philosophy and potential.

Tax Efficient Strategies

The long-term impact of taxes on investment returns can take a bite out of your savings. Our tax-efficient strategies help you continue to grow your savings for retirement while working to manage the impact of taxes.

Wells Fargo Advisors is not a legal or tax advisor.

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.

Exchange-Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed, or sold, may be worth more or less than their original cost.

There is no assurance that the price and yield performance of the index can be fully matched. An index is unmanaged and not available for direct investment.

Independent money management may not be appropriate for all investors.