I joined Wells Fargo Advisors in order to help meet my clients financial needs including investments and insurance. I can provide access to lending, trust and fiduciary services available through our affiliates. The great recession of 2008 re-confirmed the importance of financial investment planning and maintaining a long-term perspective. I use the Envision planning program, Wells Fargo Advisors' proprietary planning tool, to help clients create their own personal financial roadmap. The culmination of my financial experiences, as well as my conservative approach to investing, has given me a seasoned and practical approach to investment plans. This information is intended for use only by residents of CA, OR, and WA only. CA Insurance Producer License Number 0E25262. Please contact me by email Richard.S.Groscost@wellsfargo.com or by phone (626) 852-8621. /*********/ 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