Herzberg Olsen Wealth Management, Omaha NE

We provide analysis to enable you to determine approximate costs and strive to identify the best tax-advantaged funding solution, whether a 529 Plan, an Education IRA (also known as Coverdell), a Custodial Account, or another method.

Please consider the investment objectives, risks, charges and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest.

Through our Wells Fargo affiliates, you have access to lending products, including:

• Securities-based lines of credit

• Residential mortgages

• Home equity financing

• Small-business financing

• Credit cards

Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking 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.

Our retirement planning services are designed to allow you to identify your specific retirement goals and develop a plan to help you achieve them. We assist in managing all aspects of your transition from working to retirement, such as balancing the need for a predictable cash flow and your desire to leave a legacy. You also have the flexibility to adjust your plan as necessary to financially support your desired pre- and post-retirement lifestyle.

While there are many different tax management strategies to consider – such as tax loss harvesting, charitable giving, exemptions, deductions, and post- or pre-tax IRA contributions – the ideal place to start is determining the changes that will be best for your overall portfolio. With your overall portfolio strategy and long-term objectives in full context, there are various tactics you can use to seek to minimize tax liabilities.

Our team will provide you with an independent investment perspective on various tax and estate strategies you may be considering and refer you to qualified tax specialists.* We also suggest talking to your tax advisor.

*Wells Fargo Advisors does not provide tax or legal advice. Please consult with your tax and legal advisors before taking any action that may have tax consequences. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.

Determining which risks to insure is a crucial component of a comprehensive, long-term investment plan. Because your financial future depends on a variety of uncontrollable circumstances, we provide you with access to a wide range of insurance coverages that can help protect your financial security by helping with unforeseen costs and losses. These include disability, life and long-term care insurance. We will also review your existing insurance policies.*

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

We will review your current estate plan to help ensure it is up to date and properly structured to protect you, your family and your wealth. Our group can help you integrate your investments with your estate investment plans, or evaluate potential options through tax strategies as a component of wealth transfer planning.

It is critical to understand the options you have for your retirement plan investment distribution. We will provide you with the information you need to make an informed financial decision to help guide you to retirement security. In addition, we provide guidance for managing concentrated positions, stock option exercise and sale, succession planning, estate investment planning and business transition strategies.

If you’re a business owner who is growing a business or selling your operation, we can explore the wide scope of alternatives you have available and assist you in making complex investment decisions. We also help coordinate employee retirement programs tailored to your personal, business and employee needs to position you and your business to achieve your objectives.