Specialties

Medical Practices:

Real Estate Developers:

I realize that most real estate developers and real estate investors have most of their equity tied up in real estate.  Given that conclusion I will include all real estate holdings in my investment decisions.  I will analyze all of your current real estate holdings based on whether they are income generating, for capital appreciation or both. 

While most advisors ignore real estate holdings in their investment planning, I see your financial picture in total and understand the importance of your real estate holdings as it relates to your total portfolio.

In addition, by establishing a collateral account made up of high grade bonds you may be able to generate the capital you need to purchase real estate while never disrupting your non-real estate investment portfolio.

There are risks associated with borrowing against securities as collateral. Please read your Agreement and Disclosure Statement, which will be included in your application packet.

Fixed Income Management:

I design bond portfolios for the purpose of preservation of principle and current income.²  I will recommend portfolio strategies designed to protect principle and limit market and credit risk.  Portfolios are diversified and structured based on the amount of money invested. 

• Municipal Bonds (Zero's and Full Coupon)
• Governments
• Agency's
• CMO's
• CD's
• High Yield Corporate Bond Portfolios
• Bond Ladders
• Bond Barbells
• High Net Worth Bond Program
  
  
  • Complete Analysis of Holdings
  • Income Flow Analysis
  • Yield & Coupon Analysis
  • Maturity Analysis

Please contact us for a listing of current municipal bond offerings.

Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can result in a decline of the value of your investment.

Retirement Planning:

• IRA ROLLOVERS
  I am experienced in making the rollover process as easy and painless as possible.  I have extensive experience in transitioning my clients from one job to another or into retirement.  Please see the files below for details on why you should bring your rollover dollars to Well Fargo Advisors, LLC.
  
  
  • Rollover fact sheet (.pdf)
  • What to do with your company retirement plan (.pdf)
    
     
• RETIREMENT INCOME ANALYSIS
  Using our unique Envision planning software I can help you plan for your retirement goals by analyzing six key features of your financial status.  Ability to save, desired retirement income, large future purchases (vacations, home improvement, etc), appropriate asset allocation and desired portfolio rate of return, desired retirement age and estate & legacy goals.    
  • Planning for Health Care Needs 
  • Minimizing Taxes*
  • Estate Planning*
    
    Unlike financial planning, Envision does not include a detailed analysis of insurance, real estate investment or savings strategies. It also does not cover estate and tax planning.

Education Planning:

A college education can be the key to unlocking your child's full potential.  A good education will pay a life time of benefits, from income to creativity and independence.  I will analyze the cost of tuition, based on your criteria for higher education, to accurately illustrate future tuition needs.

Rising College Costs: Between 1981 and 2001 average general inflation was 3.54%, while average education inflation was 7.77%.  To get ahead, your money has to grow faster than the cost of college. (The College Board Annual Survey of Colleges, 2001)

• IRC 529
• UGMA
• Lump Sum Approach
• Periodic Investment
• Tax Credits
    *Well Fargo Advisors is not a legal or tax advisor.
   

Corporate Cash Management:

Wells Fargo Advisors offers a comprehensive array of cash management services to help manage your resources and maximize your assets.  You  will find our client-focused service model to be among the most responsive and flexible in the industry, and our technology to be among the most advanced.  Our full-service approach is designed to simplify and streamline all of your cash management needs by allowing you to:

• Maximize average account balances
• Take advantage of investment opportunities
• Reduce loan expenses
• Eliminate idle balances
• Increase working capital

Please Contact Us for our most recent performance numbers

Professional Athletes:

M. Jonathan Will, AAMS is registered with the National Football League Players Association and is available for consultation with any professional athlete who requires guidance with their finances.  

Liability Management (Lending Leasing):

Debt needs proper management just like your equity.  With many lending solutions available, I provide lending strategies designed to accomplish your financial goals while at the same time maximizing the return on your investable dollars.  Whether it is tradtional residential mortgages or collateral loans and leasing, I can provide you with varied lending solutions.

• Collateral Loans
• LIBOR
• Fixed & Adjustable Rates
• Business Leasing ($5,000 to $2,000,000)
• Home Equity Lines
• Lot Loans, Bridge Loans, New Construction
  
  
  • Your Next Mortgage Made Easy (.pdf)
  • Managing Your Home Investment (.pdf) 
  • Home Equity Line of Credit (.pdf)
  • Lending Services (.pdf)

2Lending and other banking services available through the Banking Services Group of Wells Fargo Advisors are offered by banking and non-banking affiliates of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A.; Wells Fargo Home Mortgage, Wells Fargo Home Equity Group, Wachovia Bank and Wachovia Bank of Delaware, divisions of Wells Fargo Bank, N.A.; and Wells Fargo Equipment Finance, Inc. All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice.