Platform

Wells Fargo Advisors provides our clients with a wide, regularly updated selection of financial products and services in an effort to assist our advisors and to serve our clients’ ever-changing needs.

The Envision ® Process.

Offered exclusively at Wells Fargo Advisors, the Envision process was created to help give our Financial Advisors a competitive advantage — one that helps you deepen relationships with existing clients while differentiating yourself to new prospects.

Combining goals-based guidance with sophisticated statistical modeling, the Envision process is an effective, easy-to-understand method for helping your clients target and achieve their most important goals.

You will be able to develop hypothetical scenarios to help your clients visualize their financial dreams, so they understand what it will take to realize them. The Envision planning process allows you and your clients to continually monitor and test their progress to address that key question: “How am I doing?”

This process is designed to help clients live the one life they have to live the way they want to live it while attempting to minimize financial sacrifice or overexposure to risk.

IMPORTANT: The projections or other information generated by Envision regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

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Advisory

The core of our Advisory platform is a strategic focus on the long-term advantages and benefits that align with your clients’ needs, goals, and risk tolerance. Advisory offers flexibility and choice amongst a wide array of financial products and services – with just one client fee, (based upon account assets), that covers both investment advice and trading costs.

  • Separately Managed Accounts (SMAs) - Professional money management provided by third-party managers.
  • Objective-based Advisory – Customized and firm-guided model portfolios constructed from a broad universe of investments, including institutional share class, no-load, and load-waived mutual funds. (Available in both discretionary and non-discretionary platforms.)
  • Client Directed – A full service non-discretionary investment program that includes advisory services and custodial/transaction costs combined into a single asset-based fee.
  • FA Directed – Discretionary investment advisory program in which the Financial Advisor provides clients conflict-free advice, based upon objective research.
  • Strategic Partnership – A fee-sharing program that helps Financial Advisors tap into their professional relationships in an effort to gather new assets.

Advisory products are not designed for excessively traded or inactive accounts and are not suitable for all clients. During periods of lower trading activity, client costs might be lower if our compensation was based on commissions. You must have a reasonable basis to believe that the specific program, investment manager or strategy you recommend is suitable for the particular client based on that client's investment profile, which takes into account, among other things, the client's investment objectives, investment experience, time horizon, liquidity needs and risk tolerance. You and your client should carefully review the Wells Fargo Advisors' Advisory Disclosure Document associated with the program for a full description of our services, including fees and expenses and those fees or expenses that may be excluded. The minimum account size for these programs is between $25,000 and $2,000,000 depending on the program or strategy selected. If the program involves mutual funds or exchange-traded funds, your clients should consider that product's investment objectives, risks, charges and expenses carefully before investing. Prior to recommending and opening advisory program accounts, Financial Advisors must be properly registered in their state of business.

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Lending & Banking

Lending & Banking products and services may help play an important role in managing clients’ wealth. Helping clients make informed borrowing decisions in the context of their overall financial strategy and goals may help them benefit from tax efficiency, lower borrowing costs and an integrated approach to planning.

  • Securities-based lines of credit
  • Residential lending products
  • Credit cards
  • Business financing
Equal Housing Lender logo

Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), Member FDIC, and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, members FINRA/SIPC, registered broker-dealers and non-bank affiliates of Wells Fargo and Company.
Wells Fargo Advisors and its affiliates are not tax or legal advisors.

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Retirement Planning

One of the biggest concerns for many of your clients will be how to make their way into retirement with the financial support they’ll need in their golden years. We offer you a wide variety of products and accounts to support a flexible retirement strategy for all of your clients.

  • IRAs
  • 401(k)
  • 403(b)
  • Annuities

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

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Traditional Brokerage Products

Some financial products and services may be found in nearly every firm, but Wells Fargo Advisors goes the extra mile by committing to provide a wide range of choices and high-quality support and expertise when you need to employ these more traditional financial products.

  • Mutual Funds
  • UITs
  • Exchange traded products
  • Bonds
  • Stocks
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Alternative Investments

Qualified investors may be looking for unique ways to enhance their portfolios. Alternative Investments, such as hedge funds and managed future funds, allow your clients the potential to reduce portfolio volatility through non-correlated returns.

  • Hedge Funds and Managed Futures

Alternative Investments, such as hedge funds and managed futures funds, are not suitable for all investors and are only open to "accredited" or "qualified" investors within the meaning of U.S. securities laws. They are speculative and involve a high degree of risk that is suitable only for those investors who have the financial sophistication and expertise to evaluate the merits and risks of an investment in a fund and for which the fund does not represent a complete investment program. While investors may potentially benefit from the ability of alternative investments to potentially improve the risk-reward profiles of their portfolios, the investments themselves can carry significant risks.

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Trust Services

You will be able to take advantage of the high-quality and efficient service of the Wells Fargo Advisors Trust & Wealth Management Services group to help you provide your clients access to Wells Fargo Bank (or third-party specialists) who can help them open and maintain a trust account when you encounter a client who needs a corporate trustee. Products and services offered through Wells Fargo Wealth Management include:

  • Business Advisory Services
  • Estate Services
  • International Client Investment Services
  • Legacy Trust
  • Life Management Services
  • Oil, Gas and Mineral Management
  • Philanthropic Services
  • Real Estate Asset Management
  • Special Needs Trust Services

Wells Fargo Wealth Management provides products and services through Wells Fargo Bank, N.A. and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company. Wells Fargo & Company and its affiliates do not provide legal or tax advice. Please consult your tax and legal advisors to determine how this general information may apply to your own specific situation. Wells Fargo Bank, N.A. offers various advisory and fiduciary products and services including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, a separate non-bank affiliate, may be paid an ongoing or one-time referral fee in relation to clients referred to the bank. The bank is responsible for the day-to-day management of the account and for providing investment advice, investment management services and wealth management services to clients. The role of the Financial Advisor with respect to Bank products and services is limited to referral and relationship management services.

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Other Planning Products

Wells Fargo Advisors has a financial product or service for nearly every financial situation one of your clients may be in or goal they may have.

  • Estate Investment Planning
  • Tax-sensitive investing
  • Executive Services
  • High Net Worth
  • Education Planning

Wells Fargo Advisors and its affiliates are not tax or legal advisors.

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