OUR INVESTMENT PHILOSOPHY

The cornerstones of our Investment Philosophy are:

Creating a detailed understanding of your unique situation
Managing your investment to meet your needs, not a market benchmark
Structuring your portfolio with a focus on controlling volatility
Planning your wealth to sustain your standard of living throughout retirement

Risk is one of the greatest disruption investors face when pursuing their investment goals. To help reduce risk for advisory clients* we:

Employ globally diversified portfolios to spread risk and reduce volatility,
Utilize a disciplined rebalancing schedule to reduce drifts that can alter risk profiles,
Employ modest tactical shifts to take advantage of short-term investment opportunities while reducing short-term risks,
View institutional manager selection and low-cost index usage as key components of long-term success.

*Advisory accounts are not designed for excessively traded or inactive accounts, and may not be appropriate for all investors. During periods of lower trading activity, your costs might be lower if our compensation was based on commissions. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services, including fees and expenses. The minimum account size for Advisory Programs varies.

Investment 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

This information is intended for use only by residents of (AL, CA, CT, FL, GA, IL, KS, KY, MA, MD, ME, NC, NJ, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. 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.

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

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