Our Services

Life is a fluid process. Realizing that change is constant, your investment plan must evolve and adapt to keep up.

Below you'll find a list of the detailed services we provide. We welcome the opportunity to work with you and to answer any questions you may have.

 



 

Corporate Retirement Plans

The Ridley Group, located in Bowling Green, KY, has devoted a significant amount of our practice time toward consulting with employer based retirement plans in the 401(k) plan arena. We believe that it is imperative that employers offer a quality retirement plan that is regularly analyzed and evaluated in all key metrics. Too many employers in the past have taken a “set it and forget it” approach. When you work with our team, we provide a comprehensive, in-depth analysis of your plan’s investment options, plan design, and employee utilization.

The initial key to any successful 401(k) plan is the creation and maintenance of a strong Investment Policy Statement. We can assist plan fiduciaries in customizing this document to help them meet their specific plan objectives while fashioning a framework for consistent processes and oversight. Decisions can be made more objectively and efficiently when guided by the roadmap of a clear and concise Investment Policy Statement. 

When it comes to implementation, we are strong proponents of an independent, open-architecture platform that does not require any proprietary investments. We focus on the utilization of low-cost, institutional investment funds wherever possible and we believe in providing full transparency to both employer and employee. Additionally, we pride ourselves on being both a “go-to” resource for the plan’s investment committee with the most detailed analytical questions, while also providing easy-to-understand communication to employees of any level.

 



 

Institutional Consulting

Whether we are serving foundations, pension plans, trusts or private wealth clients, we have invaluable experience in working with trustees and fiduciaries to make certain their assets are given proper stewardship. Using a consultative process and backed by both quantitative and fundamental research, we bring the full resources of Wells Fargo Advisors to one of the deepest rosters of available managers and investment options across the country.

 

 



 

Individuals and Families

Some of our most important relationships are those with our individual clientele and their families. We continually strive to make accessible the benefits of an institutional investment process and approach to our individual clients. To put it simply, we try diligently to level the playing field between the individual investor and the much larger institutions. 

The keystone of our planning process involves the use of the Envision® planning tool. The Envision® process allows us to determine the likelihood of achieving your desired financial outcomes. This is a dynamic process which adapts and allows for changes within the markets, your risk tolerance, your goals, and more.

Envision® is a registered service mark of Wells Fargo & Co. and used under license.

At our reviews with you, we take the time to assess how you are doing on the road to your financial goals. We listen to your questions and feedback and take as much time as necessary to ensure that all of your questions are answered. Then, we make any needed adjustments and continue to monitor your recommended allocations.

Some of the key services we provide individuals include:

  • Diversification and manager review
  • Assisting our clients through the various stages of wealth accumulation to wealth distribution
  • Consolidated tax reporting
  • Coordination with your estate planning attorney and tax advisor
  • User-friendly online access
     


 

Estate Planning Strategies

While an estate plan can't pass on your memories and experiences, it can help you pass on your assets in a way that reflects your values, dreams, and the full life you've lived. Estate planning can also help you take care of your family when you're no longer able to do so yourself.

Some common goals of estate planning include:

  • Helping protect your assets against the high costs of long-term care
  • Managing your financial and legal affairs if you become disabled
  • Expressing your wishes with regards to medical care and designating an individual to make medical decisions for you when you cannot
  • Providing for your family if you become disabled or die
  • Minimizing delays and frustrations of estate settlement
  • Helping your family avoid unnecessary estate tax liability
  • Benefiting a charity
  • Controlling the distribution of your assets
     

Strategies for Additional Estate Planning Goals

You should also consider strategies for helping reduce estate taxes and transferring wealth to your heirs. In addition, using trusts in your estate plan may help you meet many of the estate planning goals mentioned above.

Our financial advisors can help you with the estate investment planning process and work closely with you and your tax and legal advisors to implement the estate planning strategies that make sense for your particular situation.

Wells Fargo Advisors is not a legal or tax advisor.