Wells Fargo Advisors

As professional Financial Advisors, Ralph Krumins and Chris McGee believe clients should feel confident in their financial future, and Ralph and Chris strive to build life comfort with long-term, goals-based planning.  Their holistic approach to wealth management goes beyond investing to address current and long-term financial needs, including lifetime income planning, investment management, estate planning and trust services.  Because they believe in providing effective, unbiased advice - not selling products - Ralph and Chris believe fee-based investing offers an unmatched opportunity to serve clients in a cost-effective manner.

Ralph and Chris begin each relationship by developing a deep understanding of your goals, circumstances and risk tolerance.  Then, they use Wells Fargo Advisors' dynamic Envision SM process to create and implement a customized investment plan designed to maintain your lifestyle while building dependable, meaningful long-term results and a reliable lifetime income stream.  Finally they work with you, on an ongoing basis, to monitor and adjust the plan.

Dedicated to providing unbiased advice, Ralph and Chris provide cost-effective portfolio advisory services, as well as a broad array of full-service financial services:

  • Comprehensive investment planning
  • Asset Management
  • Retirement Planning
  • FDIC-insured accounts
  • Education savings strategies
  • Charitable giving
  • Estate planning and trust services
  • Insurance
  • Liability Management


 

 
Calculators

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

Car Affordability

How much can you afford to pay for a car?

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Newsletters

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

To Roll or Not to Roll: It's Your Choice

Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

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