The McHugh Wealth Management Group of Wells Fargo Advisors

My name is John G. McHugh, with the McHugh Wealth Management Group of Wells Fargo Advisors. With over 23 years in the industry, I am currently a Managing Director of Investments and a Senior PIM Portfolio Manager. Our group is one of the few authorized by Wells Fargo Advisors to manage portfolios for our clients as well as for the clients of other Financial Advisors with the firm. We currently manage portfolios for the clients of over 250 financial advisors.

One of the benefits of using an advisory group, such as ours, is our ability to provide our services on a very competitive fee basis. In other words, combining the services of the Financial Advisor(s) with that of the Portfolio Manager is much more cost-efficient for our clients and the clients of the advisors with whom we work.

In 2002, we initiated and named our portfolios, DBS Portfolios. I am often asked what DBS stands for. The letters stand for the three pillars for which our portfolios are intended to accomplish: Diversification, Balance, and Strategic investing.

Diversification: With 29 strategies to choose from, our clients are able to select between various asset classes. These strategies include taxable or tax-efficient fixed-income portfolios, individual value, growth, and core equity portfolios that incorporate small, mid, and large capitalized companies. Finally, we offer individual ETF and mutual fund strategies.

Balance: Our equity portfolios are equally weighted in order to reduce individual stock risk. Each are rebalanced at least once a year to their model portfolios. Our blended portfolios allow an individual to determine the proper balance between fixed and equity weightings based on their risk tolerance. We then help the client choose the portfolio(s) that is considered right for him/her.

Strategic: All of our equity strategies are managed on a quantitative, fundamental, and technical basis while having an emphasis on quantitative analysis. We identify and over-weight countries, companies, industries, and sectors that are currently in favor and lighten up on those that are currently out of favor while maintaining proper asset allocation. Our fixed income strategies use a macro basis in determining duration and ratings of the investments within the portfolio.

Accept this introduction as my invitation: "Our research program analyzes individual equity and mutual funds for those companies and sectors we consider in or out of favor. We will provide to you this free service by identifying potential changes within your current portfolio."

Please contact us if you would like to set up an appointment, either in person or via live meeting conferencing. You can also attend one of our monthly seminars. Someone from our team will call to set up a no obligation evaluation of your current investment portfolio.

Thanks for your time and consideration.

John G. McHugh

Managing Director-Investments

Senior PIM Portfolio Manager

1-800-582-7662

Diversification does not guarantee profit or protect against loss in declining markets.

Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.

Wells Fargo Advisors is not a legal or tax advisor.

The PIM program is 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 this program is $50,000.