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

Disability Income Insurance

How much Disability Income Insurance do you need?

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

More Calculators →

Newsletters

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

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.

Ways to Save More

About two out of three American workers are saving for retirement, but less than half are confident that they will save enough money to live comfortably during their retirement years. This article includes suggestions for readers to take small steps that could make a big difference when they are ready to retire.

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