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OUR SERVICES
Investment Planning Services
Don’t face life’s twists and turns alone.
As life brings both expected and unexpected changes, you need advice to help you understand the potential impact on your finances. Knowing more about these events and having a plan to deal with the uncertainty of life can help you feel more confident and in control.
Armed with knowledge, you can keep your eye on your goals as you make well-informed decisions.
Wealth Management Goes Far Beyond Your Investment Portfolio
Each aspect of your wealth affects at least one and usually several other interconnected areas of your life. In order to examine and help you manage your unique financial needs, we help you organize all facets of your wealth. Some of these interconnected areas include:
- New to Investing
- Preparing for Retirement
- Living in Retirement
- Marriage
- Starting a Family & New Children
- Divorce
- Death of a Family Member
- Settling Financial Matters
- Inheritance
- Buying or Selling a Business
While the various aspects of your life, business and finances combined can seem overwhelming and complex, we help identify and clarify these interrelationships in order to prioritize and simplify your decisions—and your life. We offer guidance on a wide range of financial decisions that can affect your unique financial needs.
Our experience allows you to have comfort in a complex financial world, knowing you have a plan to follow and an experienced team committed to helping you achieve your unique financial needs.
Our Core Beliefs
We have four core beliefs that are incorporated into the planning process beginning with our first discussion:
Belief One
We believe that wealth is built over time and that our most successful clients have spent years focusing on a clear vision of their financial goals
Belief Two
We believe building an income stream for your basic living expenses sets the foundation to financial freedom and leads to the ability to remain calm during turbulent times
Belief Three
We believe by being in the present moment and listening to your needs, wants, and wishes we can help create a plan that will allow you to share your gifts, graces and talents with the world.
Belief Four
We believe that strategic planning is the cornerstone of our relationship with our clients; it serves as the basis for sound financial decisions.
It all starts with your needs.
By planning your investments around benchmarks and life events that hold real meaning for you, our Envision® process can connect you to your investment strategy in a refreshing, revealing and personal way. Even better, it can keep you apprised of that most critical of financial questions, “How am I doing?”
Envision provides the technology necessary for your family and our advisors to discuss your life expectations, decide on an appropriate investment strategy, track your progress and re-sync -or rethink – your approach whenever necessary.
Our unique Envision process creates an effective, easy-to-understand method for you to prioritize and achieve important life goals.
IMPORTANT: The projections or other information generated by Envision regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.
Envision® methodology: Based on accepted statistical methods, the Envision tool uses a simulation model to test your Ideal, Acceptable and Recommended Investment Plans. The simulation model uses assumptions about inflation, financial market returns and the relationships among these variables. These assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Elements of the Envision presentations and simulation results are under license from Wealthcare Capital Management LLC. © 2003-2021 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.
Understanding Your Goals
Our planning process starts with a personal interview with you to best understand your goals which are most important and gather other pertinent information necessary to complete your custom Envision plan.
If appropriate, we also consult with other professional advisors, including your legal and tax advisor, to understand all pertinent details of your financial circumstances. During this phase we will work diligently on your behalf to find solutions that protect and preserve your assets, while allowing for the future growth of your assets to help fund your goals.
Our team of professionals, along with our colleagues around the world, will thoroughly examine your current investment and estate planning strategies.
“Stress Testing” Your Goals
To make sure we have a shared vision of your objectives, we stress test your goals and make a recommendation presented in an easy-to-understand report. This ensures that the proposed strategy reflects your financial objectives and priorities in coordination with your life stage and dynamics in the marketplace.
Our education continues in this process, as it is critical that you clearly understand how your lifestyle choices, values and philosophy about money are linked. We highlight your areas of weakness, and analyze comprehensive solutions. We fairly and accurately review your basic areas of risk and make sure you understand possible solutions, as well as the costs involved.
Implement Allocation
Based on your goals, concerns, risk tolerances and financial circumstances, we will propose an investment mix to help you achieve those goals. With your confirmation, we will execute the investment recommendations based on your personal plan designed for your unique financial needs.
Feel free to contact us today to schedule a meeting to discuss how an Envision plan can help you plan more effectively, bring new clarity to your life goals and enhance your confidence in your ability to achieve them.
Monitor Progress
An important part of the Envision process is the ability to monitor your progress toward the goals and objectives you wish to accomplish. In addition to your personal plan, you will also receive a valuable monitoring tool known as your dot.
Think of your dot as a personal growth chart for your progress toward your financial goals.
This offers you and our team the flexibility to update your Envision plan, as needed, to account for fluctuating market conditions, life-changing events and to measure the impact they have on your ability to achieve your goals.
We’ll Aim For Your Target Zone
As a result of the Envision technology’s powerful statistical modeling, the Ideal, Recommended and Acceptable scenarios provide separate plan results. These represent the number of the simulations that met or exceeded your goals. For example, a plan result of 82 signifies that approximately 820 out of the 1,000 simulations met or exceeded all of your goals. This result is deeper than a simple “pass-fail” interpretation.
Once a score is identified, how is it interpreted?
Thanks to the balancing effect of the Target Zone, there’s no need to aim for an Envision plan result of 100 — or even 90, for that matter. Anything above your target range, though indicating high confidence in reaching some of your high-priority goals, could also indicate you’re assuming more risk than necessary or sacrificing some goals at the expense of others.
Conversely, you don’t want a score so low that you end up experiencing a lack of confidence in your ability to achieve your goals. As you go forward, the Envision process makes it easy to keep track of your progress and realign your investment plan with your Target Zone whenever necessary.
Chart Your Progress. Follow Your Dot.
The centerpiece of your Envision investment plan is a personalized benchmark called “the dot.” Instead of tracking your portfolio’s performance against a major standardized index, such as the S&P 500, we use the dot to monitor your progress toward achieving your life goals.
The EnvisionTarget Zone also serves as a foundational tool when your goals or priorities change or when life events create a need to re-evaluate how changes affect your goals and priorities. Using your dot, we can update you on your progress as frequently as you want — weekly, monthly or annually.
Envision® methodology: Based on accepted statistical methods, the Envision tool uses a simulation model to test your Ideal, Acceptable and Recommended Investment Plans. The simulation model uses assumptions about inflation, financial market returns and the relationships among these variables. These assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Elements of the Envision presentations and simulation results are under license from Wealthcare Capital Management LLC. © 2003-2021 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.
Enjoy Flexibility Along The Way.
The centerpiece of your Envision investment plan is a personalized benchmark called “the dot.” Instead of tracking your portfolio’s performance against a major standardized index, such as the S&P 500, we use the dot to monitor your progress toward achieving your life goals.
The Envision process also offers you the flexibility to adjust your priorities, if necessary, based on fluctuating market conditions or life-changing events. The following are examples of life changes and events that might call for adjustments to your Envision plan:
- Increasing medical costs
- Getting married or divorced
- Helping a child or grandchild afford higher education
- Caring for an elderly parent
- Starting a second career
- Inheriting money or other assets
The Envision process also lets you “try on” new goals or ideas. For example, if you’re thinking about retiring early or starting a business, the Envision tool can tell you how adding a goal could affect your ability to reach your objectives. You can even run several scenarios and see which outcome best meets your plans.
Contact us today to schedule a meeting to discuss how an Envision plan can help you plan more effectively, bring new clarity to your life goals and enhance your confidence in your ability to achieve them.
