WF, LLC
GAINESVILLE, FLORIDA

Who We Are Explore a journal of how we help customers succeed, help communities thrive, and live our vision and values every day. We’re helping to create long-term economic growth and improved quality of life for everyone in our communities. (Free Application for Federal Student Aid) form is the first step toward obtaining financial aid from the federal government. You and your family will include tax and income information, which will help determine whether you qualify for scholarships, grants, and federal loans. Some financial aid is awarded on a first come, first served basis. Completing and sending your FAFSA form as soon after October 1 of each year as possible can increase your chances of receiving the maximum amount of financial aid. Estimate your college costs by visiting your school’s website and using their Net Price Calculator to help determine your total costs. This tool can help you understand what types of financing resources may be available and how certain choices, such as your living situation, can affect your costs. This tool can usually be found on a school’s website. can help you cover your remaining education-related expenses with a simple application process. We are unable to contact you about your comments. For specific account-related questions or comments, please visit If you’re changing jobs or retiring, one of the most important decisions you may face is how to handle the money you’ve worked hard to earn and save in your employer-sponsored retirement plans such as 401(k)s, 403(b)s or governmental 457s. When leaving a company, you generally have four options for your 401(k) savings. Each of these options has advantages and disadvantages and the one that is best depends upon your individual circumstances. You should consider features such as investment choices, fees and expenses, and services offered. Your Wells Fargo professional can help educate you regarding your choices so you can decide which one makes the most sense for your specific situation. Be sure to speak with your current retirement plan administrator and tax professional before taking any action. Rolling your money to an IRA allows your assets to continue their tax-advantaged status and growth potential, the same as in your employer's plan. In addition, an IRA often gives you access to more investment options than are typically available in an employer's plan as well as investment advice. An IRA lets you decide how you want to manage your investments, whether that's using an online account with which you can choose investments on your own or working with a professional who can help you choose investments. Access to a variety of investment choices, which provide greater potential diversification. you leave the company in the year you turn age 55 or older (age 50 or older for certain public safety employees). Employer securities (company stock) in your plan may have increased in value. The difference between the price you paid (cost basis) and the stock’s increased price is NUA. Favorable tax treatment may be available for appreciated employer securities owned in the plan. If you’re joining a new company, moving your retirement savings directly into your new employer’s plan may be an option. This option may be appropriate if you’d like to keep your retirement savings together, and if you’re satisfied with investment choices offered by your new employer’s plan. This alternative shares many of the same features and considerations of leaving your money with your former employer. you leave the company in the year you turn age 55 or older (age 50 or older for certain public safety employees). RMDs may be deferred beyond age 70 ½ if the plan allows, you are still employed and not a 5% or more owner of the company. Note: If you choose this option, make sure your new employer will accept a transfer from your old plan, and then contact the new plan provider to get the process started. Also, remember to periodically review your investments, and carefully track associated paperwork and documents. There may be no RMDs from employer retirement plans for those still working there. While the option of withdrawing all your money at once may sound attractive at first, carefully consider the financial consequences before making such a decision. The money you withdraw will be taxable, and as such, subject to a mandatory 20% federal tax withholding. In addition, the money is also subject to a potential 10% IRS tax penalty. If you absolutely must access the money, you may want to consider withdrawing only what you need until you can find other sources of cash. Before making this choice, use our online Our guide to serving customers and helping each other The Vision, Values, and Goals of Wells Fargo details the enduring principles that guide all Wells Fargo team members in the work they do every day — in serving customers and helping each other. We want to satisfy our customers’ financial needs and help them succeed financially. This unites us around a simple premise: Customers can be better served when they have a relationship with a trusted provider that knows them well, provides reliable guidance, and can serve their full range of financial needs. We strive to attract, develop, motivate, and retain the best team members — and collaborate across businesses and functions to serve customers. We value and promote diversity and inclusion in all aspects of business and at all levels. Success comes from inviting and incorporating diverse perspectives. We’re all called to be leaders. We want everyone to lead themselves, lead the team, and lead the business — in service to customers, communities, team members, and shareholders. Our enduring vision is to help our customers succeed financially. That is supported by our five values, which articulate what’s most important to us. Our six goals clearly state our aspirations and help prioritize our areas of focus. For more than 160 years, Wells Fargo has been dedicated to account and information security, and our mission remains as strong as ever.