A Plan That Changes with Your Life

At its core, our process is simple. It all begins with a foundation of trusting, personal relationships with our clients. We start here because we believe our team can operate best – and we can provide the most objective, sound advice – when our clients trust us to fully understand what they hope to accomplish in the future.

Each step in our planning process is intended to guide you forward, and the plan itself is flexible enough to provide you with confidence that as life presents new opportunities and challenges, your financial future will stay the course.

1. Learning

In our initial meeting with you, our priority is forming a full picture of your financial life. Not only do we want to get to know you and your family, but we also want to fully understand what matters most to you, whether it's your community, your business, your time spent with loved ones, or anything in between. Laying the groundwork for a strong, long-lasting relationship will guide us as we begin to build your investment plan, and it'll be of the utmost importance that trust is shared between both parties.

2. Building

Just as crucial as building trust with you is our ability to properly build a plan around the goals you have for yourself now and that which you wish to accomplish in the future. Utilizing Wells Fargo Advisors' Envision® process, we plan your investments around benchmarks that hold real meaning for you and your loved ones. This blueprint allows us to advise on the specific investment recommendations needed to bring about the results outlined in your plan. After you review the plan and we've made any necessary adjustments, we begin to implement our recommendations.

3. Implementing

The Envision process will help us arrive at an asset allocation (investment mix) that supports your objectives. With your plan and our recommendations in place, we will also "stress test" your investment portfolio through statistical modeling when creating your plan to help you determine how likely you are to achieve your goals. The investment mix we propose will take into account your goals, concerns, risk tolerances, and financial circumstances. While the plan is in action, we'll also review your progress toward achieving those goals.

4. Adjusting

It will be important to continually review your Envision plan and the investments needed to bring about its results, as it can require adjustments based on your changing needs. Whether we're updating your plan due to fluctuating market conditions, changes or events in your life, or new dreams and goals, our process is built to be tinkered with. After all, adjusting to change is necessary in many facets of our lives, and your investment plan should be no different. Our clients appreciate having the confidence of knowing their plan can accommodate the twists and turns of life.

Envision Your Financial Future

Our team places the highest priority on helping you meet your wealth management goals. In charting your course for the future, we use advanced technology and Wells Fargo Advisors' innovative Envision planning process, which enables you to enjoy your life today and pursue your goals for tomorrow.

Essentially, Envision offers us the tools and technology we need to discuss your life expectations, decide on an appropriate investment strategy, track your progress, and update your approach whenever necessary.


98% agree their plan is personally tailored to meet their unique financial goals


96% agree having an Envision plan helps them feel better prepared for retirement


92% agree their plan helps them talk to their Financial Advisor about significant life events

Results are based on a survey conducted online by Versta Research from June 5-June 22, 2019 among 457 Envision clients with Financial Advisor relationships. Results are not representative of other client experiences or indicative of future success or performance. The Envision process is a brokerage service provided by Wells Fargo Advisors.

IMPORTANT: The projections or other information generated by the Envision tool 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. © 2003-2019 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not affiliated with Wells Fargo Advisors.