Working Toward Financial Success · investment portfolios, seeking to pursue truth and integrity...
Transcript of Working Toward Financial Success · investment portfolios, seeking to pursue truth and integrity...
Working Toward Financial SuccessTAILORED, PERSONALIZED SOLUTIONS THAT MAKE SENSE.
PERSONWRIGHTFG.COM
Investment and Insurance Products: u NOT FDIC Insured u NO Bank Guarantee u MAY Lose Value
Our commitment to youA MESSAGE FROM THE PERSON WRIGHT FINANCIAL GROUP
As the Person Wright Financial Group of Wells Fargo
Advisors, we offer the resources and flexibility to provide
you with personalized investment planning.
Investment planning is an ongoing process of preparing
for and reacting to critical financial events. Critical
financial events can be as diverse as retiring, receiving
an inheritance or buying a new home. Our resources and
experience help you prepare for such events so that you
may be able to achieve your financial and lifestyle goals.
We not only use investments to meet your goals, but we
also offer insurance and liability management strategies to
help toward achieving success with your unique plan.
During our initial meeting, we will discuss your goals, risk
tolerance and objectives and our approach to investment
planning. The purpose of this meeting is for each of us to
determine whether or not we want to work together.
Our experience is that this is the foundation of a good,
long-term relationship.
The following packet will introduce us, our team and our
approach to investment planning. We look forward to
meeting you.
$360 MillionIN TOTAL ASSETS
UNDER MANAGEMENT*
*Approximate AUM as of 12/31/20. 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.
Our approach to your finances
We do not believe you must sacrifice growth for income.
WHAT THE PERSON WRIGHT FINANCIAL GROUP STANDS FOR
OUR MISSION
CURRENT PORTFOLIO INCOME TOTAL RETURN RISK MITIGATION
OUR PORTFOLIO APPROACH
The Person Wright Financial Group of Wells Fargo
Advisors is committed to one simple, yet important,
objective—to work with our clients to achieve their
long-term financial goals. We are dedicated to
pursuing investment returns that meet or exceed
our client’s personalized retirement needs in order
to help them create the lifestyle they envision and to
transfer wealth to future generations.
Income can be derived from multiple sources. We will use stocks, exchange traded funds, mutual funds, bonds, cash and cash alternatives to pursue above-average yields to a comparable portfolio benchmark. We monitor the yield curve and use different fixed-income products during changing market cycles. We also strive to focus on current dividends with stocks that provide annual dividend growth potential. In the right situation, we can implement an option overlay strategy seeking to maximize short-term income opportunities.
Options involve risk and are not suitable for all investors. Before opening an option position, a person must receive a copy of “Characteristics and Risks of Standardized Options.” This document is available from the Person Wright Financial Group of Wells Fargo Advisors at 6320 S Western Ave, Ste 100, Sioux Falls SD 57108 and 605-339-2150 or the Options Clearing Corporation, 125 S. Franklin Street, Suite 1220, Chicago, Illinois 60606. Please read it carefully before investing. Supporting documentation available upon request.
Past performance is not indicative of future results, and there is no assurance that any investment strategy will be successful.
Investments and investment strategies contained herein are provided for informational purposes only. We would need to review your individual situation before recommending appropriate strategies to you. All investing involves risk, including the possible loss of principal. Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments. Bonds are subject to market, interest rate, price, credit/default, call, liquidity, inflation and other risks. Prices tend to be inversely affected by changes in interest rates. The PIM program is not designed for excessively traded or inactive accounts and is not suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.
Tax efficiency is important to us, but
we will not sacrifice our commitment
to pursue investment gains in order to
reduce potential taxes. Total return is
simply the value increase or decrease
a client receives from their portfolio,
regardless of how an asset creates it
(growth and income).
Reduce portfolio volatility by building
diversified, actively managed
portfolios. We “weed the garden”
regularly to remove what we consider
underperforming assets. Our
commitment to pursuing current income
can potentially result in an increase of
cash flow, which may help the total return
of the portfolio in flat or down markets.
Although we are not market timers, we challenge ourselves to use current economic data and changing market events to potentially
reduce volatility when applicable. Our portfolios are built with the following fundamental objectives:
The portfolio managers in the Person Wright Financial Group of Wells
Fargo Advisors combine a traditional, fixed-income and value-investing
equity discipline with sophisticated, active-management investing
strategies to customize investment solutions designed to meet each
client’s unique needs.
We believe long-term investment success often comes with a dual focus
on growth and income. That guiding principle –growth and income– is
the Person Wright Financial Group’s distinguishing characteristic.
Wells Fargo Advisors provides you with written progress evaluations on a periodic basis. These evaluations will include a comparison of
your portfolio to an index as well as a review of your asset allocation and historical performance. In addition, you will receive a monthly
statement and a 1099 statement at the end of the year. You will have direct access to us should you have any questions or concerns. By
maintaining open communication, we believe we may be able to help avoid reflexive or reactive decisions during downward market cycles.
Our guiding principles
Working together
HOW THE PERSON WRIGHT FINANCIAL GROUP OPERATES
IDENTIFYING OUR MUTUAL RESPONSIBILITIES
Having a solid relationship is essential to effective wealth planning.
To this end, we both need to make your financial strategies a priority.
We will agree to keep each other informed of any new developments
that might affect these strategies. And we will agree to take the time to
regularly review your personalized Financial Strategy Action Plan and
Envision® Plan. A few criteria that help define our success include:
Your commitment to us as your financial advisor team
Your trust in our abilities to provide you with recommendations and advice
Your complete disclosure about what matters to you most
We strive to be a referral you want to make, but never ask to do.
We strive to be an advocate for you in all aspects of your financial affairs.
We operate with faith, integrity and trust in all we do.
WHO WE ARE WHAT WE DO HOW WE DO IT
We provide comprehensive investment planning and customized portfolio-management services. Through our experience, we have
learned it is important that everyone is clear on what to expect if we are to develop and maintain a successful working relationship –
one where we help you achieve your financial goals together.
We are a financial team engaged
in the creation of customized
investment portfolios, seeking
to pursue truth and integrity
and committed to building and
preserving wealth for our clients
and our community.
We are a financial group that
will never put our own personal
interests before yours.
We are knowledgeable and
experienced with more than 50
years of combined experience in
financial services.
We meet you personally and
engage you as a friend in order to
know you and your family.
We help manage portfolios for
your family, our family and our
community with trusted (and
tax-efficient when necessary)
investment and insurance
products.
We serve as stewards to
our industry and uphold the
strenuous regulations set forth.
We listen to what your dreams and
aspirations are. We do not make
assumptions on what we feel you want.
We ask tough questions that may
challenge you, and we understand
financial decisions will trigger emotion.
We make recommendations that
are designed to benefit you and
your family; ongoing changes are
often necessary.
We host client events to keep us
connected with you and to meet your
family to help ensure your legacy lasts.
We respect our clients, our team and
Wells Fargo Advisors.
Our teamWHO THE PERSON WRIGHT FINANCIAL GROUP IS
MANAGING DIRECTOR – INVESTMENTS
SENIOR PIM PORTFOLIO MANAGER
For over 35 years, Bryan has had the privilege of being a trusted
financial advisor to families and business owners. He believes that
a sound investment planning journey begins with a personalized,
written plan for the future and continues with regular meetings and
updates to keep each plan in line with future goals.
Bryan began his career as a Financial Advisor with Edward Jones
in 1994 after an 11 year career in banking as a branch manager
for a local independent bank. He joined AG Edwards & Sons, a
predecessor firm of Wells Fargo Advisors, in 2003 to take a team
approach in providing personalized financial advice for individuals
and families.
Bryan has consistently been recognized as a Premier Advisor, a
distinction held by a select group of Financial Advisors within Wells
Fargo Advisors as measured by business production, completion of
educational components and professionalism.
After high school, Bryan decided to serve our country and spent
three years in the U.S. Army completing his tour of duty in Arizona
and Germany. While working full-time with a finance company, he
went to school full-time and earned his business degree through
National College in Sioux Falls. He and his wife Mary Jo have lived
in Sioux Falls since 1980.
Away from the office, Bryan spends his free time with his wife, Mary
Jo, sons Matt and Alex, and their grandchildren. While their son
Alex attended Creighton University, Bryan and Mary Jo became
and continue to be Blue Jay fans. Attending basketball and soccer
games in Omaha has also become a favorite past time. Bryan
also stays active golfing and working out as much as possible and
walking the bike trails with Mary Jo.
Bryan Person
SENIOR VICE PRESIDENT - INVESTMENTS
SENIOR PIM PORTFOLIO MANAGER
As a Financial Advisor, Jesse strives to provide sound financial advice
and value-added service to investors — always working to build long-
term relationships based on integrity, faith, mutual trust and respect.
Through a long-term investment approach, he helps clients develop
and implement strategies for building wealth and realizing their goals.
Having started in the Financial Services industry in 2005, Jesse has
experience in navigating major shifts in both up and down markets.
Jesse began his career as a Licensed Trading Support Specialist with
TD Ameritrade in Omaha, NE where he developed his technical and
fundamental investment knowledge. He worked for TD Ameritrade
for seven years with the last two as a Branch Manager of nine
Investment Consultants. He joined Wells Fargo Advisors in 2013 to
focus on providing investment planning advice for clients.
Jesse holds a Bachelor’s degree in Finance from the University of
Nebraska at Lincoln and a MBA in Financial Planning from Creighton
University. Jesse has also earned the Chartered Retirement Planning
CounselorSM (CRPC®) certification by meeting rigorous professional
standards and passing a comprehensive examination from the
College for Financial Planning.
After college, Jesse relocated to Omaha with his wife, Laura, a native
of Harrisburg, South Dakota. After almost 10 years in Omaha, Jesse
and Laura made the decision to relocate to Sioux Falls where Jesse
teamed with long-time family friend and Financial Advisor, Bryan
Person, to create the Person Wright Financial Group of Wells Fargo
Advisors.
Away from work, Jesse spends his time with family. Jesse and Laura
have two sons, Miles and Max, and their daughter, Amelia. In the fall,
Husker football season is a top priority. Jesse and Laura try to get
to several home games in Lincoln and have recently added trips to
Green Bay for Packers games with Laura’s family! They spend much
of their summer in Okoboji with Jesse’s family. The rest of the year,
they are actively involved with every sport Miles, Max, and Amelia
want to participate in. Jesse tries to coach as much as he can. Jesse
and Laura stay active and physically fit. Jesse completed his first
triathlon in 2009 and was hooked. He has finished several half-
marathons and triathlons since.
Jesse L. Wright, CRPC®
FINANCIAL ADVISOR
From the beginning of his professional career Alex has worked
closely with individuals to analyze their situations and come up with
custom, tailored solutions to suit their needs. As a Financial Advisor,
Alex works directly with clients to help them build, preserve, manage
and transition wealth. By listening to a client’s individual needs and
aspirations, Alex helps develop a specific plan designed to achieve
their goals.
Alex began his career in Human Resources at First Data in Omaha, NE
where he worked one on one with employees to help analyze issues
and come up with viable solutions to make their work life easier.
After three years at First Data, Alex began his career in the financial
services industry by joining TD Ameritrade in 2014. As a Financial
Representative at TD Ameritrade, Alex acquired his investment
knowledge through working with clients on a daily basis and helping
them to understand various aspects of investing.
After 10 years away from Sioux Falls, Alex moved back home in 2016
to join his father, Bryan Person, at Wells Fargo Advisors. As the
newest partner with the Person Wright Financial Group, Alex strives to
provide clients with comprehensive investment advice delivered with
exceptional service and professional integrity.
Alex attained a Bachelor of Arts in Psychology from Creighton
University and Master of Science in Industrial/Organizational
Psychology from Missouri State University. Alex has used his
psychological background to better understand and communicate
with clients.
Outside of work, Alex enjoys spending time with his wife and children.
Alex and Kendra try to be as active as they can and enjoy golfing,
basketball, and running. Alex is an avid Creighton basketball fan and
continues to attend numerous home games.
Alex Person
SENIOR REGISTERED CLIENT ASSOCIATE
VICE PRESIDENT
Marcia began her career in the financial services industry over 25
years ago with Citibank. She joined AG Edwards, a predecessor
firm of Wells Fargo Advisors, in 2003 and holds the Series 7 and
66 securities registrations as well as her life and health insurance
licenses.
Marcia works with the team to ensure our clients administrative,
trading, and operational needs are handled accurately, quickly, and
seamlessly. She is our one stop shop for all things “service”,
and with her years of experience is able to adeptly resolve even the
most complicated issues.
Wells Fargo Advisors has recognized Marcia as a Premier Client
Associate. The Premier Client Associate recognition is held by a
select group of Registered Client Associates within Wells Fargo
Advisors nominated by their management for their consistent display
of professionalism, integrity and core leadership values.
Marcia grew up on a farm in Edgerton, Minnesota. While attending
Alexandria Technical College, Marcia studied Finance and Credit
Management. She now lives in Sioux Falls and is married to Jeff, a
CPA, and has twin boys – Josh and Justin. In her free time, she enjoys
live music, traveling, crafts and trying out new recipes.
Marcia Bucher
Allie UnderbergSENIOR REGISTERED CLIENT ASSOCIATE
ASSISTANT VICE PRESIDENT
Allie’s career began with Wells Fargo Bank in October 2012 after
graduating from South Dakota State University. She has held various
roles throughout the bank before transitioning to Wells Fargo Advisors
in November 2015. She is very knowledgeable in many different
areas of both the bank and brokerage side of the business.
In February 2017, Allie transferred from the Sioux Falls Downtown
Wells Fargo Advisors location to help support the Person Wright
Financial Group of Wells Fargo Advisors.
Allie works side by side with Marcia Bucher, Senior Registered Client
Associate, to assist our clients administratively and operationally. She
is passionate about providing a personalized client experience and
looks forward to working with each one of you over the years.
Allie is a Sioux Falls native. She now lives in Harrisburg, SD with her
husband, Brooks and son, Brayton. In her free time, Allie enjoys long
walks, reading and spending time with her extended family.
Supporting the Person Wright Financial Group in Mitchell
| F INANCIAL CONSULTANT
1200 S . BURR ST.
MITCHE LL , SD 57301
605 - 996 - 6100 [PHONE]
800 - 926 - 6101 [TOLL FREE]
Echo PetersenWith over 25 years of experience in the wealth
management industry, Echo handles a wide
variety of duties in our Mitchell, SD office including
administrative and operational support, and all
day-to-day transactions.
Echo began her career in 1990 as a Registered
Representative with John G. Kinnard and Company.
From 1994 to 2002 she was a Registered Office
Assistant with Rube Adam Financial Services. She
then worked for Edward Jones in 2002 as a Client
Associate. She has been a Senior Registered
Client Associate with Wells Fargo Advisors since
2003 and became a Financial Consultant with the
firm in 2015.
Echo is a life-long South Dakota resident who grew
up on the family farm in Fedora. After meeting her
husband Bryce, they settled in Plankinton where
they raised their daughter, Kelly.
In her personal time, Echo enjoys golfing and is an
avid gardener. Echo is dedicated to her community
and is passionate about seeing it prosper. Echo
volunteers as a board member with Horizon Health
Care, promoting the importance of rural health in
our communities.
Our servicesWHAT THE PERSON WRIGHT FINANCIAL GROUP PROVIDES
At the Person Wright Financial Group of Wells Fargo
Advisors, we are committed to providing you with
informed perspectives and tailored approaches to your
needs and challenges. As your trusted advisor, we begin
with a deep understanding of your financial priorities
and then apply appropriate financial solutions to help
optimize your wealth. Together, we can explore your
needs regarding wealth planning, as we work to help you
build, manage, preserve and transfer your wealth.
YOUR INVESTMENT
PL AN
n Assess your risk tolerance
n Rebalance or reposition
assets as needed
EDUCATION PL ANNING
n Invest for children
or grandchildren
n Identify suitable
tax-advantaged
investments
RETIREMENT
ASSETS AND
COMPANY BENEFITS
n Retirement plan
investments
n Stock option grants
or restricted stock
WEALTH
PRESERVATION
STR ATEGIES
n Types of ownership;
beneficiary designations
n Hedging and liquidity
strategies
As a service for our clients, we make
ourselves available as a sounding board
for any friends or family members.
When someone you care about needs
financial guidance, we will make time
to meet with them and point them in a
helpful direction.
When family, friends or associates ask for
your opinion on financial services, let us
be their sounding board.
Service for Friends & Family
INCOME TA X
PL ANNING
n Identify tax-efficient
portfolio strategies
n Manage capital gains,
losses and alternative
minimum tax
(AMT) exposure
THROUGH OUR WE LLS FARGO
AFFILIATES, YOU HAVE ACCESS TO
BANKING SERVICES, INCLUDING:
n Securities-based lines of credit
n Residential mortgages
n Home equity financing
CHARITABLE AND
COMMUNIT Y GIVING
n Discuss various
charitable techniques
n Explore strategies to
instill philanthropic values
in the next generation
CASH FLOW/CASH
RESERVE
n Emergency funds
n Cash alternatives
PERSONAL RISK /FAMILY
SECURIT Y GENER ATION
n Adequate insurance
protection
n Management plan for
incapacity/disability
PL ANNING FOR BUSINESS
OWNERS
n Consider personal objectives
in the framework of business
objectives
n Discuss various risk
mitigation techniques
Wells Fargo Advisors is not engaged in rendering legal, accounting, or tax-preparation services. Specific questions as they relate to your situation should be directed to your legal and tax advisors.
Lending and other banking services available through Wells Fargo Advisors (NMLS UI2234) are offered by banking and nonbanking 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.
You have financial needs.WE HAVE YOUR CUSTOMIZED SOLUTIONS.
CAR 0220-01012
6320 S. Western Ave., Ste. 100
Sioux Falls, SD 57108
605-339-2150 (PHONE) | 800-333-2150 (TOLL FREE)