How We Invest


From active investing to buy-and-hold strategies, the Robert Charles Group offers a variety of custom investment programs and access to some of the nation's leading independent money management firms, normally reserved for institutions, endowments and pension plans. Some of the available options include:

CustomChoice®

Personalized investment portfolios built on the principles of diversification.

 

CustomChoice is a client-directed advisory program that allows investors to construct a portfolio of mutual funds, including institutional share class, no-load and load-waived mutual funds, which makes it easy for them to achieve broad diversification. In addition to performance monitoring and automatic allocation rebalancing, the program offers objective advice and assistance in constructing a customized investment plan and strategy. It's designed for investors who:

• Like access to a large universe of mutual funds, including many that are available only to institutional investors

Diversified Managed Allocations (DMA) Program

Multi-strategy portfolios with a focus on flexibility.

DMA is a unified managed account that offers access to a variety of investment strategies on a single wealth management platform. Unified Managed Accounts (UMAs) allow you to combine mutual funds, exchange-traded funds (ETFs), separately managed accounts, and Wells Fargo Investment Institute's* professionally managed blends into one comprehensive account, which may be customized in an effort to meet your investment goals. It's designed for investors who:

• Value an investment service based on research, analysis and an active approach to asset allocation

• Prefer the efficiency of a single account that can hold multiple investment managers, mutual funds, and ETFs

Wells Fargo Investment Institute, Inc. is a registered investment adviser and wholly-owned subsidiary of Wells Fargo & Company.

Private Investment Management (PIM) Program

Professionally managed portfolios with personal service.

The PIM® program is a customized portfolio management program geared toward your specific investment goals. It's designed for investors who:

• Prefer a portfolio manager who can make investment decisions on their behalf

• Seek long-term portfolio management through diversification while managing underlying investments

• Seek the flexibility to build and maintain a portfolio using a diverse selection of investments

The investment return and principal value of mutual funds and exchange-traded funds (ETFs) fluctuate and shares, when sold, may be worth more ore less than their original cost.


Our review of investment managers includes face-to-face interviews, monthly performance monitoring and independent research from Morningstar.


The Robert Charles Group offers different customized portfolios of our own, tailored to fit your needs.

Independent money management and advisory programs may not be suitable and/or appropriate for all clients.

Investing involves risk, including the possible loss of principal. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Diversification does not guarantee profit or protect against loss in declining markets.

The CustomChoice®, DMA, and PIM programs are not designed for excessively traded or inactive accounts, and may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for these types of programs vary depending on program/strategy selected.