The Black Brook Wealth Advisor Process

Data Gathering and Goal Setting

We will ask you to gather specific items for your client profile. We will review your information and discuss the specifics of your personal and financial goals. This also includes a conversation about mutual expectations for working together.


Please click here to download the full Envision data-gathering form.

  • Take inventory of your current assets and liabilities
  • Discuss and clarify the short-term and long-term goals most important to you
  • Understand where you are today and where you want to be in the future

"What-If" Analysis of Envision® Planning Results


  • Stress test goals
  • Establish your personal "target zone" based on historical market simulations
  • Determine the difference between your current and recommended asset allocation plan

Asset Allocation and Investment Selection

Current Allocation


Strategic Allocation


This information is hypothetical. It is not intended to represent any specific return, yield or investment. It is provided for illustrative purposes only and does not constitute a recommendation to invest in any particular asset class or strategy and is not a promise of future performance or an estimate of actual returns a client portfolio may achieve. Hypothetical and past performance do not guarantee future results.

Asset classification of holdings in external accounts where classification is not readily available may be assigned to a multi-asset class category or reassigned into additional asset classes by your Financial Advisor, which may not be the most accurate asset class based on the holding's characteristics and risk profile. It is your responsibility to review the asset classification for external accounts and notify us of any changes.

Track Progress Toward Your Goals

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  • Track your ongoing investment results against your unique "Target Zone"
  • Answer the question, "How am I doing?"
  • We provide guidance to help you keep your investment plan on track

Wealth Transfer Strategies

Our group will help you implement a wealth transfer plan structured to integrate your investment and estate plans utilizing strategies such as those leading to the outcome in the example below.

A Charitable Lead Trust provides a stream of income interest to one or more charities of your choice for a designated number of years and transfer the remaining assets to beneficiaries, or back to yourself, when that period of time ends.

An Irrevocable Living Trust lets a Grantor control use of trust assets through provisions of the trust and selection of successor trustees. Beneficiaries can receive income from the trust and have access to the principal at the trustee’s discretion, per the terms of the trust. Trust assets are protected from the beneficiary’s creditors, divorce, and other types of lawsuits.

A Credit Shelter Trust allows you and your spouse to take advantage of your estate tax exemptions, and minimize estate taxes when passing assets on to heirs. The trust is designed so that upon the death of the first spouse the assets specified in the trust agreement are transferred to the trust without the assets being subject to estate tax.

A Generation-Skipping Trust allows you to provide income to your children over their lifetime with the principal to be distributed to grandchildren, or later generations, estate tax free.

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This information is hypothetical and is provided for informational purposes only.

This information is hypothetical and is provided for informational purposes only.

Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.

Insurance products are available through non-bank insurance agency affiliates of Wells Fargo & Company and underwritten by non-affiliated Insurance Companies. Not available in all states.

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