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Investment, Retirement and Estate Planning Strategies

We all have unique goals in life and want to feel confident that we are on track to meet them. At Headwaters, we can help you accumulate, grow, and distribute your assets in all phases of your life. It helps to have a road map to keep us all on track.

Headwaters Wealth Management’s planning process is a great way to start creating your own personal road map. An investment plan can help you uncover your goals, determine which are the most – and least – important, and track your progress in reaching them.

* Headwaters Wealth Management and Wells Fargo Advisors Financial Network are not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.

Investment Management

Headwaters Wealth Management provides specialized investment management and advisory services for both institutional and private clients. Our disciplined and transparent process uses independent research to build investment portfolios that take advantage of global opportunities across multiple asset classes.

We construct portfolios that are designed to take advantage of market movements by using various proprietary strategies. The ultimate goal is to improve performance and preserve capital in an effort to achieve our clients’ goals with lowered stress.

Foundations / Endowments / Trusts

Whether it is a discussion around the giving goals of a family foundation or managing the assets for a special needs trust, our team will collaborate with you to develop and implement a customized giving or spending strategy that addresses your needs.

* Diversification does not guarantee profit or protect against loss in declining markets.

Philanthropic Services

We develop and implement strategies which help give individuals and families the ability to make a lasting impact on both their community and future generations.

We fulfill your philanthropic objectives by working to better understand individual and personal values, in addition to financial goals.

Working with clients on areas of succession and philanthropy is a core part of our business and what we do every day.

Risk Management

It is more important than ever to understand and control the trade-offs between financial risk and reward. The basic principle behind all financial-risk management is balancing risks and rewards to match our clients’ risk-tolerance and life goals. Headwaters Wealth Management can review your current financial situation and present strategies which help neutralize or transfer your unwanted risk to a third party for only a small fraction of the underlying economic value of that risk.

Business Owner and Executive Solutions

Our team at Headwaters Wealth Management helps clients understand what they own and how to follow securities regulations as they attempt to diversify their positions or lessen the risk-exposure to a concentrated position in company stock. We can assist with the evaluation of liquidation dates regarding company stock options and help employers create a deferred compensation plan for their top employees.

* Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors Financial Networks. Wells Fargo Advisors Financial Network and its affiliates do not provide legal or tax advice.

Company Retirement Plans

Business owners, human resource departments, and plan administrators can look to Headwaters Wealth Management to guide them through the maze of retirement options, plan designs, fiduciary responsibilities, and liability risks. Our goal is to reduce the costs of the plan for both the employer and the employee, to lower the related workload on the company’s human resource department and to increase the education provided at the participation level.

Associates List

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    This information is intended for use only by residents of (AK, CA, CO, FL, HI, ID, KS, MA, ME, MN, MT, NC, NM, NV, OR, PA, TX, UT, VA, WA). Securities-related services may not be provided to individuals residing in any state not listed above. Please consult with the FA as s/he may not be registered in all states.

    For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

    Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN). Wells Fargo Advisors is the trade name used by Wells Fargo Clearing Services, LLC and WFAFN, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Any other referenced entity is a separate entity from WFAFN.

    Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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