Our Services
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SPECIALIZED CONSULTING SERVICES
PORTFOLIO MANAGEMENT
Private Money Manager Referral Program
A private money manager offers the benefit of full-time attention combined with timely decisions. We work closely with Wells Fargo Advisors’ Advisory Services Group (ASG) to monitor hundreds of independent money managers nationwide that privately manage bond, equity and international equity portfolios. We use ASG’s expertise and extensive resources to provide clients with recommendations based on management style, discipline, investment track record, and experience. Ongoing account performance is monitored and reported quarterly.
Tax–Advantaged Investment Programs
For most investors, taxes on interest and capital gains take a much larger bite out of their retirement savings than they would like. Choosing an investment program that allows you to keep more of what you earn is an important part of our investment philosophy. We specialize in tax-advantagedinvestments1 such as those offered through tax-free municipal bonds and tax-exempted vehicles, as well as tax-deferred investments such as IRAs and annuities. The MWT Investment Group puts a premium on tax-managed equity investing — to help you invest with tax savings in mind.
WEALTH MANAGEMENT
Investment, Retirement and Estate Planning
Most people agree that investment planning is the right thing to do, but it’s often easy to put it off. The MWT Investment Group has a long tradition of offering guidance to clients through investment and retirement planning. Whether you need a comprehensive plan or help with just one aspect of your financial life, The MWT Investment Group can offer suggestions. We offer assistance in six areas:
• Accumulation Planning
• Education Funding
• Portfolio Analysis
• Retirement Planning
• Survivor Needs
• Estate Preservation
Trust Services
One of the benefits of our affiliation with Wells Fargo & Company is having access to comprehensive trust services. This access allows ourclients to enjoy the best of both worlds: the investment consulting capabilities of the MWT Investment Group, and trust administration from affiliates of Wells Fargo & Company.
CORPORATE AND EMPLOYER SPONSORED SERVICES
Retirement Plan Consulting Services (401(k), Profit Sharing, Simple IRAs)
Corporate retirement plans such as 401(k) and profit-sharing plans are some of the most important benefits a company can offer its employees. The MWT Investment Group specializes in helping corporations design, upgrade and manage an appropriate retirement plan. Through extensive one-on-one employee interviews, we help educate participants so they can determine their appropriate investment allocation, based on goals and risk tolerance. By working with a variety of plan providers, we offer an unbiased and impartial approach to help solve your retirement plan needs.
OTHER FINANCIAL SERVICES
Envision
Envision is an innovative investment-planning process. We begin by helping you define measurable goals. Next we help you guage the likelihood that your goals would have been met, given ever-changing market conditions and your recommended investment plan. Using an advanced simulation methodology, Envision analyzes the delicate balance needed for you to make progress toward your goals while seeking to avoid unnecessary investment risk.
Using statistical modeling, Envision simulates hypothetical market and economic scenarios to demonstrate the impact that different market environments would have had on your goals. With that information, we can adjust your investment strategy to reflect both realistic expectations and your own comfort level.
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.
Envisions’ simulation model incorporates assumptions on inflation, financial market returns and the potential relationship between these variables based on an analysis of historical data. Using Monte Carlo simulation and data provided by the Center for Research in Securities Pricing, Envision simulates thousands of potential outcomes over a lifetime of investing. The varying historical risk, return, and correlation between the assets is based on indices over several market cycles. If the indices do not provide sufficient historical data to gauge asset class performance, we may use the performance statistics of related asset classes.
Lending (Personal & Business)
The MWT Investment Group can offer clients access to personal and business lending services through affiliates of Wells Fargo Company.2 Some of the lending possibilities include:
• Mortgages
• Home-Equity Lines
• Lines of Credit
• Creative Lending Solutions for Small Business
With access to lending services, MWT Investment Group can help bridge both sides of your financial life -- assets and obligations.
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1 MWT Investment Group and Wells Fargo Advisors do not provide tax or legal advice. Be sure to consult with your own tax and legal advisors before taking any action that would have tax consequesnces. Income from these investments may be subject to state, local or alternative minimum tax (AMT).
2 Lending and other banking services that are available through the Banking Services Group of Wells Fargo Advisors are provided by banking and non-banking affiliates of Wells Fargo & Company, including, but not limited to Wells Fargo Home Mortgage and Wells Fargo Home Equity Group, divisions of Wells Fargo Bank, N.A.; Wells Fargo Equipment Finance, Inc.; Wachovia Bank, N.A.; or Wachovia Bank of Delaware, N.A. Effective March 20, 2010, Wachovia Bank, N.A. and Wachovia Bank of Delaware, N.A. will become Wachovia Bank and Wachovia Bank of Delaware, divisions of Wells Fargo Bank, N.A. All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice.
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