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A full range of services
to address your financial needs
We are well-equipped with the knowledge and services to address the financial priorities in your successful life – from managing and preserving your wealth, to leaving a legacy for your loved ones.
In today’s often complex market, even the most sophisticated investor is challenged to keep up and respond to changing conditions. Our investment committee meets weekly to discuss investment strategies employing a disciplined approach in selecting investments for our clients. Once we determine the right asset allocation for each client, our committee selects investments from a wide variety of vehicles: individual equities, fixed income instruments, institutional managers, mutual funds and alternative investments that help to diversify risk. Our objective is to help our clients achieve their financial objectives.
Asset allocation does not guarantee a profit nor protect against losses.
Financial planning is not an investment product, but rather an ongoing process designed to help you achieve your goals by making smart decisions. It begins by evaluating your current financial situation, identifying and clarifying your goals, and then creating the appropriate plan for pursuing them. We look at planning through a wide lens and develop strategies designed to pursue your short- and long-term goals.
We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies designed to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.
While we are familiar with the tax provisions of the issues presented herein, as financial advisors, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
Investment Consulting is a comprehensive process that includes working on an investment policy statement, asset allocation strategy, investment (and/or) manager selection, and performance measurement. These tasks are not one time events but ongoing and evolving as the client or institution’s needs change.
Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.
Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset protection and reallocation.
We consult with your attorney to ensure a proper estate plan is in place. It is our goal to keep you informed and educated about important financial matters. We’ll answer the questions you have, and ask the ones you may not have even considered. We’ll help you define your priorities and refine your goals. We’ll make sure we communicate regularly with you, and include your family and children. We’ll collaborate with your accountant and estate attorney when appropriate to bring cohesion to your financial life. Above all, the purpose of our long-term planning approach is to serve as your trusted financial partner, to keep you on track for the future you’ve envisioned.
While we are familiar with the tax provisions of the issues presented herein, as financial advisors, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
We can discuss your 401(k) options if you plan to change companies or exit the workforce. You typically have four options (and may engage in a combination of these options): Leave the money in your former employer's plan, if permitted; roll over the assets to your new employer's plan, if permitted; roll over to an IRA; or cash out the account value.
Both employer plans and IRAs typically involve investment-related expenses and plan or account fees. Investment-related expenses may include sales loads, commissions, the expenses of any mutual funds in which assets are invested and investment advisory fees. Plan fees typically include plan administrative fees (e.g., recordkeeping, compliance, trustee fees) and fees for services such as access to a customer service representative. In some cases, employers pay for some or all of the plan’s administrative expenses. An IRA’s account fees may include, for example, administrative, account set-up and custodial fees.
Through Raymond James, we offer personal lines of credit*, investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments such as brokered certificates of deposit, and cash sweep options.
*The personal line of credit is through a margin account, which may not be suitable for all investors. Banking and lending solutions provided by Raymond James Bank, N.A. Raymond James Financial Services, Inc. is affiliated with Raymond James Bank, N.A., a federally chartered national bank. Unless otherwise specified, products purchased from or held at Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.
Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. At Wells Trecaso Financial Group we have the ability to provide an independent unbiased look at a wide array of quality insurance alternatives, including life insurance and long-term care insurance, which can offer an important layer of safety for you, your family or your business.
Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.
Earnings in 529 plans are not subject to federal tax and in most cases state tax, as long as you use withdrawals for eligible college expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible college expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program.