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                                                                       "Insuring your future," Insuring Your Way of Life”
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 Investment and Insurance Products:  • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value
 Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and
 non-banka liate of Wells Fargo & Company.
 © 2023 Wells Fargo Clearing Services, LLC. CAR-0323-04417                                              ­  ­  €‚
                                                                               
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 Build your portfolio on a solid foundation
 Financial Expert Contributor                                                                          
       

 Time horizon. One reason why knowing your   Of course, there are many other investments to
 goals is important is because it helps determine   consider, many with varying degrees of historical
 your time horizon (how long you have until you   risk vs. return. Just remember that you should
 need to tap into your investments). If you’re 28,   intend for each type of investment to play a
 for example, and want to retire at 68, your time   particular role, such as providing the potential for
 horizon is 40 years. Simple as that.  growth or income or stability, in your overall   affordableinsurancesnj.com
 Risk tolerance. Your risk tolerance is the amount   allocation, and you need to understand the risks
 of volatility in your portfolio’s value you’re   involved.
 comfortable with. If you find you can’t sleep   Once you’ve decided on the types of investments
 because you’re worried about your investments   to include, you need to determine how much of
 — especially when there’s market volatility —   each is appropriate. If you’re looking to grow
 you probably need to adjust your asset allocation   your investments’ value, you’ll likely have a
 Brandon A Kuhn RICP®  to suit your risk tolerance.  larger stock allocation and a smaller one for
                                                                 €



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 Wells Fargo Advisor  Putting the pieces together  bonds. The result would be a portfolio with more
 potential volatility than one with a larger
 Asset allocation can be to investment planning   With those factors in hand, you can begin to piece   proportion of bonds. You should ask yourself if
 what the foundation is to a house or the chassis is   your asset allocation together. The primary   that’s a trade-off you’re comfortable with.   ­ 	  €  ‚ƒ‚ƒ
 to a car. It’s what everything else is built upon.   building blocks, at least to begin with, are likely    Get help if you need it
                                   	
   ‚	  ‚ƒ
 And just as important as constructing a house on a   to include:
 firm foundation, having the right asset allocation   Stocks. Historically, stocks have offered attractive   Although asset allocation is a relatively simple
 can be vital to helping you work toward your   returns, but along with those returns, there’s also   concept, you can see it has lots of “moving parts.”    	
   ‚	  ‚ƒ
 financial goals.  been periods of volatility. If you’re young, you   That’s one reason why many investors opt to
 Although the name may sound intimidating, asset   generally have a long time horizon — especially   work with a professional financial advisor. If you
 decide to seek help, look for an advisor who will
 allocation is just a technical term for a rather   when it comes to retirement. That may allow you   first get to know you and then help create an
 simple concept. It’s merely how your portfolio is   to have a larger allocation to stocks because you   investment plan that’s built around (what else?) an
 divided up among different types of investments,   have longer to ride out any short-term market   appropriate asset allocation.
 such as stocks, bonds, and what are called “cash   volatility that occurs.  Š
        ‡      ‚
 alternatives.”   Bonds. One reason investors like bonds in a   Asset allocation cannot eliminate the risk of
 How it works  portfolio is because their prices have historically   fluctuating prices and uncertain returns.  Š    ƒ     

‡     Ž
 been relatively stable. By owning bonds, an   Wells Fargo Wealth & Investment Management (WIM) is a division within
 Using asset allocation to build a portfolio   investor’s aim may be to help manage his or her   Wells Fargo & Company. WIM provides financial products and services   ‹	   Œ ‚ƒ      ˆ    ‹
 designed to help you reach your long-term goals   portfolio’s overall value when there’s volatility in   through various bank and brokerage affiliates of Wells Fargo & Company.
 Wells Fargo & Company and its affiliates do not provide tax or legal
 requires taking three primary factors into   the stock market. The larger the proportion of   advice.         ­      ‰‚ ‡    €  ‚
 consideration:
 bonds, the more steady the portfolio’s overall   Investment and Insurance Products are:      
     	  ƒ €
 Goals. These are simply what you’re investing the  value should remain. Keep in mind, however, that   • Not Insured by the FDIC or Any Federal
 achieve. For many of us, a major goal is to enjoy   bonds’ returns have been significantly less than   Government Agency
 a financially secure retirement. If you have   stocks.  • Not a Deposit or Other Obligation of, or
 younger children or grandchildren, helping them   Cash alternatives. These are relatively   Guaranteed by, the Bank or Any Bank Affiliate   
	  	    	       	  
 afford higher education without building a   lower-risk, lower-return investments. On the   • Subject to Investment Risks, Including Possible   
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 Loss of the Principal Amount Invested
 mountain of debt is likely another goal. Or maybe   upside, they can be easily be converted into cash
 you’d also like to make a luxury purchase — such   when it’s needed. On the downside, their returns   Wells Fargo Advisors is a trade name used by Wells Fargo Clearing
 Services, LLC, Member SIPC, a registered broker-dealer and non-bank
 as buying a vacation home or dream car or taking   may not even keep up with inflation.  affiliate of Wells Fargo & Company. This advertisement was written by   „„„…   †
  ‡ 	 ­       …‚
 an exotic vacation — down the road.  Wells Fargo Advisors and provided to you by Brandon A. Kuhn, Branch
 Manager. ©2017-2023 Wells Fargo Clearing Services, LLC. All rights
 reserved. CAR: 0523-01025
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