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Business Services

Wells Fargo Advisors provides products and services, available through your Financial Advisor, that help you manage your assets and plan for the future.

Customized Products and Services for Business Owners

Your company is one of your most important assets and the product of your hard work. We are committed to helping you maximize the success and profitability of your business through specialized products and services to help give your business the cash flow and support it needs to thrive.

Employee benefit plans and packages

A competitive employee benefit package helps you attract and keep employees, regardless of the size of your company. Business owners must also consider the cost-effectiveness of employee benefits. Determining which benefits to offer employees requires understanding the advantages and disadvantages of each type of benefit as well as the experience of a Financial Advisor and tax and legal professionals.

Retirement savings plans

A retirement savings plan is a great way to help you reach your own retirement goals and can be an important benefit to help attract and retain talented employees. A retirement savings plan can also provide potential tax-saving benefits. There are numerous plan types and the rules around them can be complicated. Your Financial Advisor can help you choose and implement a retirement savings plan that best suits you and your employees.


You may have insurance protection needs, such as paying off business-related liabilities, funding a buy-sell agreement, protecting against the loss of a key employee or succession planning.

Succession planning and business exit strategies

Whether your goal is to keep your business in the family, sell your interest to a key employee or co-owner, or prepare it to be acquired by another company, you can benefit from beginning the succession planning and exit strategy process many years in advance.

Selling a business

Once you have sold your business, how will you provide current and future income for yourself and your family?

If you’re planning to sell your business — or part of your business — to a co-owner, one or more of your children, employees, or someone else, it’s important to consider if you will stay involved. And once you have sold your business, how will you provide current and future income for yourself and your family?

Transferring the business to a family member

There are a variety of succession planning strategies you can use to transfer the business to a family member, including one or more of the following:

  • Selling the business to the family member
  • Making lifetime gifts
  • Transferring the business upon death

The importance of a buy-sell agreement

If your business has more than one owner, you need to understand the risks you may face if one of you dies unexpectedly. Some questions you should consider include:

  • Who would become your new partner if your co-owner died?
  • If you died, would your spouse or family be able to sell your shares at a fair price?

A written buy-sell agreement can help protect you and your business from the effects of unintended or unwelcome transfers of ownership. It also helps protect your heirs by giving them an opportunity to turn shares into cash. In addition, it’s important to develop a plan to fund the transfer of ownership of the business, such as buying a life insurance policy for that specific purpose.

Next steps

You’ve worked hard to build your business. You deserve a strong, stable financial services partner to deliver products and services to help your business succeed, thrive, and grow. We’re here to help and build a team of professionals to assist you. You can also benefit from the perspectives of multiple advisors — including your CPA and attorney, as well as business-valuation and transition specialists — who have worked on many different business sales. Talk to your Financial Advisor about how we can help you prepare for your financial future.

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