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.


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The projections or other information generated by the Envision process 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 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 is a separate entity and is not directly affiliated with Wells Fargo Advisors.
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.
Clark & Goshow Financial Strategies Group, LLC

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (AZ, CA, CO, CT, DC, DE, FL, GA, IL, MA, MD, MO, NC, ND, NJ, NV, NY, OH, OR, PA, TN, TX, VA, WA). Securities-related services may not be provided to individuals residing in any state not listed above. Please consult with the FA as s/he may not be registered in all states.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN). Wells Fargo Advisors is the trade name used by Wells Fargo Clearing Services, LLC and WFAFN, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Any other referenced entity is a separate entity from WFAFN.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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