For Clients
Stelvio Private Wealth provides simplified investment, retirement & investment wealth planning. We will work together to help achieve your goals and develop a successful working relationship. Learn about our bespoke services below.
Your Investment Plan
- Assess your risk tolerance
- Rebalance or reposition assets as needed
Retirement Assets and Company Benefits
- Retirement plan investments
- Stock option grants or restricted stock
Personal Risk/Family Security Generation
- Adequate insurance protection
- Management plan for incapacity/disability
Access To Banking And Lending Services
Through Wells Fargo Affiliates1
- Residential mortgage
- Securities-based lines of credit
Cash Flow/Cash Reserve Strategies
- Emergency funds
- Cash alternatives
Education Planning
- Invest for children or grandchildren
- Identity suitable tax-advantaged investments
Wealth Preservation Strategies
- Asset ownership; beneficiary designations
- Estate and Trust planning
Income Tax Planning
- Identify tax-efficient portfolio strategies
- Manage capital gains, losses and alternative minimum tax (AMT) exposure
Charitable and Community Giving
- Explore charitable giving options and strategies to instill philanthropic values in the next generation
Planning For Business Owners
- Consider personal objectives in the framework of business objectives
- Discuss various risk mitigation techniques
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Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and nonbanking subsidiaries of Wells Fargo & Company, including but not limited to Wells Fargo Bank, N.A. (NMLSRID 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 (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts.
Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.
Wells Fargo Advisors is not engaged in rendering legal, accounting, or tax-preparation services. Specific questions as they relate to your situation should be directed to your legal and tax advisors.
Life is full of events that may impact your financial situation. Some events you look forward to; others you may not. What's important is that you have a plan in place when these events occur. Stelvio Private Wealth puts a priority on building a relationship first before designing a plan for life's big ‘why's.'
Keys to a successful relationship
What you can expect from us
You can trust that we will responsibly perform all requested services. We will:
- Treat you with respect, honesty and dignity
- Act as your advisor, putting your interests first by also maintaining our fiduciary duty
- Strive to acquire a complete and accurate understanding of your goals, your tolerance for investment risk and your time frame
- Explain the implications of the strategies we propose
- Update you by email, mail, teleconference and phone
- Be prompt and prepared for our meetings, via any and all formats
- Meet you with regularly to review all associated items
- Respect your confidential information
What we can expect from you
Effective communication and mutual respect are essential to a successful relationship, so we expect:
- Trust
- Honesty & full transparency
- Respect
- Responsiveness to requests
- Sincerity
- Commitment to our process
We expect you to understand that our recommendations are always based on your best interests. As our prospective client, you need to know that all investment advice will be based on the information you provide to us. We expect you to be fully engaged in the investment planning process.
Mutual Responsibilities
We believe working together is essential to effective investment planning. To this end, we both need to make your goals & strategies a priority. We will agree to:
- Keep each other informed of any new developments that might affect these strategies
- Provide supporting documentation, whenever applicable
Keys to a successful relationship
As your trusted advisors Stelvio Private Wealth will always:
- Make full and fair disclosure of all material facts, particularly where our interests may conflict with yours
- Have a reasonable, independent basis for our advice to you
- Obtain best execution for clients' securities transactions where we're in a position to direct brokerage transactions
- Ensure that investment advice is suitable to the your objectives, needs and circumstances
- Refrain from effecting personal securities transactions and business inconsistent with your interests
- Be loyal to you, always
Are you prepared?
Critical Financial Events
- Parent/Elder Care
- Loss of a Loved One
- Insurance Proceeds
- Buy or Sell a Business
- Disability
- Charitable Giving
- Severance
- Sale of Assets
- Inheritance
- Education Funding
- Critical Illness
- Retirement
- Estate Planning Strategies
- Purchase of a Home
- Divorce
Our onboarding process
1. Introductory Meeting
- In-person or phone meeting: time for us to learn about each other
- Identify your goals, values, dreams, special concerns, or challenges
2. Fit Decision
- By phone, a few days after the introductory meeting to determine if we want to take the next steps
- If yes, move forward with detailed data gathering
3. Discovery
- In-depth conversations to understand your current circumstances
- Review current statements and discuss risk tolerance, time horizon, and liquidity needs
- Begin the Envision® Plan Process
4. Overall Strategy Recommendations
- Review your proposed investment strategy and initial Envision Plan
- Upon agreement, open new accounts and transfer in assets
- Implement investment strategy
5. New Client Welcome
- Review first statements
- Confirm individual account instructions and communication preferences
- Address any additional questions
6. Manage Your Comprehensive Investment Plan
- Examine full-balance sheet
- Trust and estate planning strategies
7. Ongoing Service Support
- Stay connected with regular review cadence
- Review goals and priorities as life events unfold
- Update your investment strategy or Envision Plan, as needed
The Advisory Process
Define goals & priorities
- Clarify your specific investment
- Determine your financial requirements, time horizons and liquidity concerns
Create strategy
- Define your financial objectives, past investment experience and the amount of risk you feel comfortable assuming and your expectations
- Develop a clearly defined plan for pursuing your financial objectives. This strategy helps guide the selection of professional investment managers and the best mix of asset classes for your investment needs
Implement investments
- Identify investment managers and strategies that can best meet your investment strategy
Review life cycle changes & investments
- Track the progress of your portfolio towards your investment goals
- Review and adjust investment decisions brought on by life changes
PIM® Portfolio Management
Your investment account through the PIM® program is designed for investors who let Stelvio Private Wealth make investment decisions on your behalf based on your risk tolerance and financial objectives.
The PIM® program is designed for investors who:
- Want a customized investment program based on an active approach to asset allocation
- Prefer a portfolio manager who can make investment decisions on their behalf
- Are seeking long-term portfolio management through diversification while managing underlying investment costs
- Seek the flexibility to build and maintain a portfolio using a diverse selection of investments
- Value a high level of professional services and personal attention once available only to high-net worth clients
ASK ABOUT THE PIM® PROGRAM AND LET STELVIO PRIVATE WEALTH BRING TRUE SIMPLIFICATION TO YOUR WEALTH PLAN!
The PIM® program is not designed for excessively traded or inactive accounts and is not appropriate for all investors. Please carefully review the Wells Fargo Advisors Financial Network advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.