It’s About You: Introducing the VIP Program

It's About You: Introducing the VIP Program

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. ? 2020 Wells Fargo Clearing Services, LLC. All rights reserved. CAR # 1220-01711.

Investments 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

Wells Fargo Advisors understands every high net worth investor is unique. We also know they ALL deserve VIP treatment.

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What is the VIP Program?

? Discussion of your customized, comprehensive financial plan focused on your specific individual circumstances - both a short- and long-term financial roadmap for you and your family

? Access to a team of wealth management professionals in a broad range of disciplines

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What to expect

Discovery

Customized Analysis

In Depth Conversations

? Comprehensive organization of assets, liabilities, real estate, and other tangible property

? Identification and definition of family goals, objectives, and constraints

? Outline and expectations for wealth transfer and philanthropic goals

? In-depth and intense scrutiny of data and information provided

? Development of a tailored, comprehensive financial plan that addresses the goals, objectives, and expectations you outline

? Follow-up with any additional questions and information to ensure your VIP experience meets your expectations

? Detailed and practical conversations with the Wells Fargo Advisors multidisciplinary specialists who helped prepare your plan

? Discussions with each specialist addressing his or her observations and suggestions regarding your situation

? Opportunity to engage each specialist and continue a deeper education of the conclusion drawn

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What to expect

Implementation

? Work closely with your Financial Advisor to identify which action steps may help improve your financial picture; identify an implementation schedule

? Schedule periodic reviews with your Financial Advisor to assess progress and subsequent decisions and action steps

? As needed, check-in with Wells Fargo Advisors home office specialists for updates and additional guidance

Regular Progress Assessments

? As needed, but no less than annually, review with your Financial Advisor the original plan developed

? Evaluate progress in key financial areas

? Discuss life changes that may alter the original roadmap

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Core components of a VIP Program plan

Portfolio Design

Investment Management

Retirement Income

Business Assets/ Executive Benefits

Estate Strategies

Banking and Lending*

Asset Allocation

Equities

Fixed Income

Concentrated Equity Strategies

Tax-Efficient Investment Management

Advisory Programs

Private Money Managers

Alternative Investments

Preserving Tax-Deferred

Assets

Planning for Long-Term Care Expenses

Social Security and Healthcare

Distribution Strategies

Managing Executive Benefits

Cash Management Services

Business Transition Planning

Tax-Efficient Family Transfer

Philanthropic Objectives

Asset Preservation

Family Wealth Education

Customized Business Financing

Lines of Credit and Loans

Mortgage and Home

Financing

1031 Like-Kind Exchange for Real

Property

Wells Fargo & Company and its affiliates do not provide legal or tax advice. Please consult your legal and/or tax advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your taxes are prepared.

*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 (NMSL ID 0906158). Wells Fargo

Clearing, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.

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General topics we may discuss

Planning ? Asset allocation ? Financial planning ? Education planning ? Tax considerations Retirement Account Considerations ? IRAs, beneficiary designations and distribution planning ? Employer-sponsored retirement plans ? Roth IRA conversions ? Retirement income Estate Planning ? Estate planning ? Trust considerations and capabilities ? Charitable and philanthropic planning ? Life insurance/long-term care/disability

See last page for important information regarding each of these services.

General topics we may discuss

Investment Strategies ? Portfolio management, including asset allocation ? Investment manager due diligence ? Customized investment strategies ? Alternative investments ? Option trading strategies

Research and Analysis (Wells Fargo Investment Institute) ? Economic overview ? Equity strategy ? Fixed income strategy ? International market strategy ? Company-specific research

Other Topics and Opportunities ? Business transition services ? Lending and banking services ? Real estate/farm/land management ? Oil/mineral/gas management ? Investment banking services

See last page for important information regarding each of these services.

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