It Starts with a Plan


7 common retirement planning moves

Will the money in your investment accounts last through retirement? Here are some steps that go beyond the basics of using tax-advantaged funds and making regular contributions.

  1. Review your portfolio - Conduct regular investment checkups on your own and with us.
  2. Maintain emergency savings - Keep emergency funds in a liquid account you can easily access if needed.
  3. Set an appropriate asset allocation - Investments are fluid. Some are more volatile, but all can be affected by market fluctuations. Adjust your assets to align with your current goals and tolerance for risk.
  4. Itemize your income plan - Understand where your retirement funds will come from. List out all sources, such as Social Security and pensions. For each item, list how it might generate income for your portfolio.
  5. Clean up your accounts - Consider consolidating accounts. You’ll not only have less paperwork, you can help keep an eye on your asset allocation and overall investment strategy. We can talk about your choices and what might make the most sense for you. Before taking any action, speak with your current retirement plan administrator and tax professional.
  6. Sell assets strategically - Selling assets can have tax implications. Proceeds could nudge you into a higher tax bracket. Balance the concern of minimizing taxes when you’re selling assets with your portfolio’s allocation strategy. Talk with us about the choices you have in this situation.
  7. Talk with family - Partners and spouses should be on the same page regarding your financial portfolio. Cover some key financial details:
  • Current total assets
  • How much you have saved right now
  • How much is in each account
  • Where the funds are located
  • Your budget

Clarity you need to help bring your plan to life


Account Aggregator and eMoney
What do you really want to accomplish with your money? Do you have enough, not enough, or more than enough to accomplish what is important to you? Your financial advisor can help you answer those questions through the LifeSync® experience. LifeSync provides an approach in an effort to align your financial objectives to your personal aspirations to help create your personal path to the life you want to live.

LifeSync leverages many tools and capabilities to help you maximize the impact your money will have on your goals and aspirations. Our Account Aggregator tool allows you to organize your money and provide you a better understanding of where you are right now in your financial life. You can then align your money with what you want to accomplish with the help of the eMoney Advisor® tool. Account Aggregator plus eMoney can create a foundation for a successful path to help you reach your goals.

Account Aggregator — Get organized and view your financial picture

If your assets are spread across a number of places, it can be challenging to get a clear view of your finances. The LifeSync experience can help with the Account Aggregator tool. Account Aggregator helps make it easier for you to get a complete picture of your net worth across all of your financial institutions, including Wells Fargo & Company accounts.

Once you take the first step of gathering your full financial picture, then you can begin to determine what goals you want to accomplish with your money. From there, your advisor can help make your money-to-goals alignment a reality with eMoney.

From checking and retirement accounts, to credit cards, investment accounts, and mortgages, seeing more can help you be in control, up to date, and better equipped to work toward achieving your goals.

For online access, you can enroll at wfa.com/signup.
Investment and Insurance Products: • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value

eMoney Advisor® — Connecting your money to what is important in your life
What is important to you? Retirement? Your children’s education? Travel? A key element of LifeSync is the eMoney Advisor, an industry leading planning tool. eMoney helps you see and think about your money in more deliberate ways. It can help you set and track progress towards the goals and objectives that you really want to accomplish over time.

Live life and gain confidence — Contact your advisor today
LifeSync can help you build your confidence by leveraging Account Aggregator and eMoney. They can help you align your values with your financial priorities and make sure they stay in sync over time to help maximize the impact of your money. Contact your advisor today to get started.



IMPORTANT: The projections or other information generated by eMoney regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.

Bank products and services are available through Wells Fargo Bank, N.A., Member FDIC. Wells Fargo Wealth & Investment Management (WIM) is a division within Wells Fargo & Company. WIM provides financial products and services through various bank and brokerage affiliates of Wells Fargo & Company.

Investment products and services are offered through Wells Fargo Advisors, a trade name used by Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.