The Envision Process

Envision is an innovative profiling process that is intended to increase your confidence to help you better enjoy your life today and pursue realistic goals for tomorrow. Envision is designed for us to meet to review progress toward your goals, adapt to changing conditions and manage investment risk. This process begins with a simple discussion between you and us to identify realistic life goals, state them in measurable terms, set priorities among them and tie them to your investment portfolio.
Using advanced statistical simulation methodology, Envision can assist in finding the delicate balance needed to help you to progress toward your goals. With your help we can use the Envision process to help you answer critical questions all investors may face: Am I compromising my goals too much with my investment choices? Am I taking too much risk or not enough? Am I compromising my life today for tomorrow? Do I need to reevaluate my goals or the time projected for achieving them? Based on your responses to these types of questions, investments and risk tolerance, Envision helps you and us set a realistic strategy.

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, Selection Criteria and Key Assumptions

Envision’s simulation model incorporates assumptions on inflation, financial market returns and relationships between these variables based on an analysis of historical data. Using Monte Carlo simulation and data provided by the Center for Research in Securities Pricing, Envision simulates thousands of potential outcomes over a lifetime of investing. The varying historical risk, return, and correlation between the assets is based on indexes over several market cycles. If the indexes do not provide enough historical data to gauge asset-class performance, we may use the data of related asset classes. Elements of this report’s presentations and simulation results are under license from Financeware, Inc., patents pending. ©2009 Financeware, Inc. All rights reserved.