While each client relationship is unique, our motivation is the same ensure everyone has confidence they are on track to achieve their goals. Together with Jeff Bucci, CRPC, First Vice President Investment Officer, we serve a select group of investors in or nearing retirement who, among other things, aspire to a rising income stream in retirement. Our process begins in understanding where our clients are today and where they want to be in the future. Only after understanding their needs, goals and tolerance for risk do we turn our attention to their investment allocation. We call our investment decision process DGIA. This stands for dividend growth, innovation and allocation. The core of this is dividend growth strategies. Specifically, we look at companies that have increased their dividends for at least ten consecutive years. This is almost always a sign of financial health and indicative of future profits. This is designed to provide favorable returns and a rising income stream with less volatility then the broader market. Next, we look at innovative firms, those with disruptive technologies that may change how we work and live. Finally, we include in the allocation, asset classes such as fixed income or alternative investments in an effort to smooth out the volatility of the overall portfolio. We recognize the decision to enter into a business relationship is based on whether or not we find common ground. We believe the quality of our relationships is the most important currency in our lives. We have made it our mission to do all we can to educate our clients and help them make informed decisions that are removed from emotions that could drive critical mistakes. This information is intended for use only by residents of : AL, AR, AZ, CA, CO, FL, GA, KY, MA, MD,MI, NC, NE, NJ, NV, NY, PA, PR, RI, TN, TX, VA, WI /*********/ 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 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. Opinions and comments do not necessarily represent the views of our firm. Additional guidelines can be found on wfa.com/social 