Developing your investment plan

Through our Envision® process, we work with you to develop an investment plan based on your unique financial circumstances. These include your assets and liabilities, income and expenses, financial goals, risk tolerance, time horizon, tax considerations, liquidity needs and any other relevant factors.

 

Asset allocation

Based on these circumstances, we identify an a suitable allocation of equities, fixed income, alternative investments and cash alternatives for your investment portfolio. Using a statistical tool called a Monte Carlo simulation, we “stress test” your asset allocation under a wide range of hypothetical future market conditions, from favorable to unfavorable. This allows us to identify an allocation that provides you with the highest likelihood of success given your ability and willingness to take risk.

 

Portfolio selection

After identifying a suitable asset allocation, we employ our Private Investment Management (PIM) portfolios to implement it. Our portfolios include individual stocks, low-cost equity and fixed income exchange traded funds (ETFs), individual bonds and money market mutual funds.

Click here for the Index Portfolio Investment Policy Statement

Click here for the Select Index Portfolio Investment Policy Statement

 

Ongoing portfolio management

We manage your portfolio using a combination of active and passive as well as top-down and bottom-up approaches to provide the right risk-adjusted returns for your investment objective, whether conservative or aggressive or somewhere in between, while also accounting for expenses, taxes and cash flows.


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The PIM program may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.
Salmon Hauger Wealth Management Group

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 (AK, AR, AZ, CA, CO, FL, HI, IL, KY, MA, MD, ME, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, SC, TN, TX, UT, VA, WA, WV, WY). Securities-related services may not be provided to individuals residing in any state not listed above.

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. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

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

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