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Depending on the circumstances of each client’s family, career, and life, the recommendations we give them are going to vary from one to the next. Our services and solutions are vast, but they are only suggested to you if we believe they will be valuable in enhancing your health and wealth.

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Provided by Wells Fargo Bank, N.A.

We love helping our clients effectively and efficiently accomplish their philanthropic objectives. Through innovative planning – as well as access to strategic philanthropic consultants – socially and environmentally conscious individuals can invest their capital and expertise to improve their communities and also potentially earn a financial return. We will help clarify your vision for how to use your wealth to positively impact your family and your community while aiming to achieve alignment with your overall wealth management strategy.

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As you approach retirement, how should you adjust your savings plan to optimize income in retirement? By building deep relationships with you and your family, we combine the strengths of our team members to help you manage your wealth. With retirement approaching, your plan must be adjusted and strategies put in place to help provide you with the retirement income you need.

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We know you’ve worked hard to make your business succeed. When considering what comes next – whether it’s an expansion or the sale of your business – you can feel confident that our team has the experience, skills, and access to the necessary knowledge to help guide you through every stage of the process.

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As investors continue to realign their values on health and wealth, they are living longer and forming greater expectations for the life they imagine. Based on intimate conversations with you and your loved ones, we focus on providing the income, liquidity, and cash flow you need today and to sustain your lifestyle long after you have left the workforce.

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We are committed to providing you with informed perspectives and tailored approaches to your needs and challenges. As your trusted advisors, we begin with a deep understanding of your financial priorities and then apply appropriate financial strategies to help optimize your wealth. Together, we can explore your needs regarding wealth planning as we work to help you build, manage, preserve, and transition your wealth.

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We can help review your current beneficiary strategies to help ensure they are up-to-date and designed in a way to transfer your wealth as you wish. This includes planning for the successful transfer and distribution of your assets so you know your family members will be cared for and your wishes will be followed. Our team will work with your tax and legal advisors to help you integrate your investment and estate plans, and we also have access to in-house estate attorneys.

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As a formerly practicing CPA, Noah Rubin’s approach focuses on forward-looking and effective tax management and general tax awareness. As tax laws ebb and flow, it’s important for you to know how to navigate these changes in order to enhance your benefits with investments, retirement plans, liability management, and other assets. On your behalf, we analyze investments and income and how they are likely to be treated from a tax standpoint.

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In our experience, fear and greed often drive clients’ money-based decisions, and thus, behavioral finance considers the role that psychology and emotions play in investment decision-making. One common bias is the tendency to chase winners and losers – that is, chasing the previous year’s top-performing asset class or worst-performing asset class. Historically, following the best and worst asset classes does not result in exceeding returns. It’s a bit like a fad diet, in that you’ll hear about it often and you may want to join in yourself, but some doctors would tell you consistency and variety in your diet is key. Thus, we tend toward globally diversified portfolios for our clients, which we review and rebalance timely.

Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.

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Utilizing the Envision® planning process, we set an appropriate asset allocation strategy – so you’re never taking on more risk than necessary – to pursue your goals and objectives. We also consider adding life, disability, and long-term care insurance1 solutions to help protect you and your family from the unexpected.

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Insurance is like eating healthy and exercising. It helps protect and preserve the life you’re always building on. Specifically, life insurance helps safeguard the income your family depends on. It can also be used for creating a source of supplemental retirement income, as well as for business or legacy planning. As you can imagine, there’s a lot to consider – including how much you need, what kind you need, and more – and we can refer you to experienced independent professionals who will review the possibilities with you and help determine the best solution.

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Through Wells Fargo Bank N.A., you have access to lending products and services, including securities-based financing, residential mortgages, business financing, and credit cards2.


Residential Mortgages offered through Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

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For 30 minutes once each month, we are proud to work with your next of kin on honing their financial skills. This often includes developing practical skills and an understanding of financial matters, helping them build confidence in making informed financial decisions, and working with them to grow toward becoming prudent stewards of wealth.

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With access to professionals with years of experience in trust services, we help you use your wealth to support the people and the causes you care about. The professionals in Trust Services hold themselves to the fiduciary standard of care, putting your needs above our own at every turn. We can also work closely with your attorney, accountant, and other professionals to coordinate the services you need through Wells Fargo affiliates.

Envision® methodology: Based on accepted statistical methods, the Envision tool uses a simulation model to test your Ideal, Acceptable and Recommended Investment Plans. The simulation model uses assumptions about inflation, financial market returns and the relationships among these variables. These assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Elements of the Envision presentations and simulation results are under license from Wealthcare Capital Management LLC. © 2003-2021 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.

Insurance products are available through non-bank insurance agency affiliates of Wells Fargo & Company and underwritten by non-affiliated Insurance Companies. Not available in all states.

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 (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.

3 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.