• Your investments are important. Advisory Services can help them receive the care they deserve.
  • Your investments can be professionally managed or a Financial Advisor can help you manage them yourself.
  • Wells Fargo Advisors programs allow flexibility to help you reach your goals. 

Managing investments 

A lot may be riding on your investments: retirement, children’s or grandchildren’s education, your financial legacy. Your investment plan should get the attention it deserves. 

Some investors enjoy managing their own plan. They are confident in their abilities and have the time to research and monitor their investments’ performance. 

You’re not alone if you don’t fall into that category. Like many others, you may want to work with a professional by taking advantage of an advisory program.

 

Using an advisory program 

You can save time and have a professional manage your investments when you use the services of an advisory program. 

Advisory programs generally fall into two categories. One gives another party the power to make decisions for your account’s day-to-day management. This means you can allow a portfolio manager — in some cases your Financial Advisor — to decide when to buy, sell, and hold investments without consulting you. 

Your portfolio manager will make decisions based on a variety of factors: 

  • Your long-term objectives
  • The time you have to reach your objectives
  • Your risk tolerance 
In the other program, you collaborate with your Financial Advisor. We will provide you with objective advice and guidance based on your needs, goals, and today’s investment environment, to help you make your own buy, sell, and hold decisions. 


Fee replaces commissions 

So how can an advisory account differ from a traditional brokerage account? One difference is how you pay for the services you receive. In an advisory account program, you generally pay a fee. This is often charged on a quarterly basis based on a percentage of your account’s value. In a traditional brokerage account you would pay a commission for each transaction. 


Flexible range of alternatives 

You can choose which advisory services program you implement. Wells Fargo Advisors offers an array of programs. You can decide what products you would like to have managed, such as mutual funds, exchange-traded funds (ETFs), stocks, bonds, and commodity-based investments. 

We can discuss the programs with you and see what fits your situation – and what makes you feel more confident in helping you reach your goals. 



Next steps

Decide if you would like some extra help with making your investment decisions.

Make an appointment to talk with us about advisory accounts.



The fees for advisory programs are asset-based and assessed quarterly in advance. There may be a minimum fee to maintain this type of account. Fees include advisory services, performance measurement, transaction costs, custody services, and trading. These fees do not cover the fees and expenses of any underlying exchange traded fund (ETF), closed-end funds, or mutual funds in the portfolio. Advisory accounts are not designed for excessively traded or inactive accounts and are not appropriate for all investors. 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 these programs is between $10,000 and $2,000,000.
  • You have many options for investing.
  • Investments should work together to help you accomplish your financial goals.

Types of investments

Part of the investment planning process is making investment choices that fit your investment strategy. Those investments should work together to help you accomplish your financial goals. We’re dedicated to providing you a wide range of investment products and services to help you meet them. 

As an investor, you have many options. Common types of investments include: 

  • Stocks  - An investment giving you partial ownership in a company based on the number of shares you purchase. Stocks tend to fluctuate more in the short term, but may perform well over time. 
  • Bonds  - An investment that functions as a loan to a government or institution in return for regular interest payments. Bonds can provide more stability than stocks, even though bonds have historically provided lower returns than stocks. 
  • Mutual funds - A fund allowing you to pool your money with others in a professionally managed portfolio. Mutual funds offer diversification through a mix of investments, such as stocks or bonds.1
  • Exchange-traded funds (ETFs) - A basket of securities traded throughout the day — just like individual stocks — on a national stock exchange. Like mutual funds, you purchase shares of an overall fund rather than individual investments.1
  • Annuities - A contract between you and an insurance company requiring the insurer to make payments to you, either immediately or in the future. You make contributions to the annuity for a guaranteed income stream.2
  • Brokered certificates of deposit (CDs) - Brokered CDs are issued by banks, purchased in bulk by securities firms and sold to clients. Investors do not receive physical certificates for their brokered CDs, but instead receive a periodic account statement detailing their CD holdings.3  Brokered CDs’ market value may fluctuate over time.   

Contact a Financial Advisor to learn more about the types of investments to consider for your portfolio.


Next steps

  • Understand the variety of investments available.
  • Talk with your Financial Advisor about investment choices.

1Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed, or sold, may be worth more or less than their original cost. 

2Variable annuities are long-term investments appropriate for retirement funding and are subject to market fluctuations and investment risk. Guarantees are based on the claims-paying ability of the issuing insurance company. Guarantees apply to minimum income from an annuity; they do not guarantee an investment return or the safety of the underlying funds.

3Generally, CDs may not be withdrawn prior to maturity. CDs are FDIC insured up to $250,000 per depositor per insured depository institution for each account ownership category. CDs may be issued by out of state institutions.