Intuitive Investor® Account FAQs

Top Questions
Funding Questions
General Questions
Investment Questions
Investment Style Questions
Security and Privacy Questions
Tax Loss Harvesting (TLH) Questions

Funding Questions

Are there tax consequences for transferring an existing brokerage account? Can I directly roll over a plan held with a former employer? Can I use multiple investment accounts to fund my Intuitive Investor account? I’d like to use an existing account to open an Intuitive Investor account, but you don’t support my account type. What are other options for funding my account? If liquidating my current account results in a substantial short-term gain, can Wells Fargo Advisors hold onto that security until it becomes a long-term gain? What are my options for funding my Intuitive Investor account?

General Questions

How do I close my Intuitive Investor account? What happens if my account falls below the minimum balance? What is the satisfaction guarantee? Why are my shares not whole numbers?

Investment Questions

How do my questionnaire responses factor into my recommended portfolio? How do you determine your portfolios? How often do you rebalance my portfolio? What do you mean by a well-diversified portfolio? What happens if my investments receive dividends? What if I need to change my overall investing strategy? When transferring in a brokerage account, what happens to the investments I already own? Why don’t the allocations in my portfolio exactly match my recommended portfolio?

Investment Style Questions

What are the investment styles, Globally Diversified and Sustainability Focused?

Globally Diversified* portfolios offer a blend of low-cost investment strategies that deliver recommended exposures to domestic and foreign markets. Global investing through diversification provides the opportunity to achieve long-term returns with less risk than investing in a single asset or market.

Sustainability Focused portfolios offer a blend of low-cost globally diversified* investment strategies with a focus on social responsibility. These portfolios have the same risk profiles as standard portfolios, meaning the percentages of equity vs income and cash are the same, but Sustainability Focused portfolios also integrate environmental, social and governance considerations into the investment process. Some ESG considerations are:

Environmental

Air emissions/quality
Biodiversity & land usage
Climate change
Fossil fuels use
Green building
Renewable energy
Water stress/pollutions

Social

Corporate culture
Consumer protection
Diversity & inclusion
Human capital practices
Labor standards
Philanthropic giving/involvement
Privacy & data security

Governance

Accounting
Board structure
Business ethics & fraud
Corruption
Executive compensation
Regulatory & compliance record
Shareholder voting rights

*Keep in mind that diversification cannot eliminate the risk of fluctuating prices and uncertain returns.

An investment’s social policy could cause it to forgo opportunities to gain exposure to certain industries, companies, sectors or regions of the economy which could cause it to underperform similar investments that do not operate under a social policy. Risks associated with investing in ESG-related strategies can also include a lack of consistency in approach and a lack of transparency in manager methodologies. A socially responsible investing style may shift in and out of favor. There are many factors to take into consideration when choosing an investment portfolio and ESG data is only one component to potentially consider.

How do I change my investment style? Are there tax consequences to changing my investment style?

Security and Privacy Questions

Can Wells Fargo Advisors initiate withdrawals from my Intuitive Investor account? How do you protect my money from internet security threats and fraud? How do you protect my privacy? I have more questions about security, who can I speak to?

Tax Loss Harvesting (TLH) Questions

What is Tax Loss Harvesting (TLH)? How do I turn TLH on or off? How often will you harvest losses? How much does the TLH service cost? How will TLH affect my allocations? What are the upsides and downsides of TLH? Which Intuitive Investor accounts are eligible for Tax Loss Harvesting? Will there be any commissions or trading fees from TLH?

1. Wells Fargo & Company and its affiliates do not provide tax or legal advice. Please consult your tax and legal advisors to determine how this information may affect your own situation.
2. When you link your Intuitive Investor account offered through Wells Fargo Advisors to your Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account, you will receive a discount on your Intuitive Investor account advisory fee. The advisory fee discount will be based on the type of checking account you have and will be applied at account opening if the account is eligible to be linked to an existing Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account. If your Intuitive Investor account is not linked to a Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account within 90 days, the discounted advisory fee will no longer apply and the standard advisory fee of 0.35% will apply. If the Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account is closed, the discounted advisory fee will discontinue and revert to the standard advisory fee of 0.35%. Custodial accounts and certain trust accounts are not eligible for the Wells Fargo Bank Prime Checking, Premier Checking or Private Bank Interest Checking account advisory fee discount. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. For complete fee information, refer to the Intuitive Investor® Fee Schedule (PDF).