Stewardship Process

Stewardship requires a dedication to fully understand what is important to you

A personalized approach founded on the belief that wealth is a means to a higher end

My disciplined process begins with a meaningful discovery phase aimed at developing an understanding of not only what is important to you, but also the spirit and value of money in your life, along with your intentions and the purpose of your wealth.

Our goal is to prepare for both the financial and emotional aspects of your financial life

How you think about money influences how you respond to financial events in your life. Preparing for, or responding to, these transitional events directs the needs for all these various aspects of financial stewardship.

Personal Stewardship Blueprint

Your Stewardship Blueprint provides a complete and concise picture of your entire financial life.  It summarizes your current financial circumstances like your family, professional advisors, strategies to achieve your goals and the current approach to fulfilling those strategies. 

Your Envision® Plan

This planning document is designed to capture your current situation and then incorporate your life aspirations and appetite for risk to provide a trackable result that reflects the likelihood of achieving you goals. 

It provides a snapshot of your net worth including current cash flow strategies to meet various goals and includes a number of risks such as market volatility, longevity and inflation. It provides an personalized target allocation or ”investment sweet spot” and your own personalized Target Zone to monitor if you are on track to meet your goals.


Your planning documents are adapted as your life evolves

Life will bring change and we make adjustments accordingly. They become the basis for agendas for all our meetings and provide continuity from year to year. These are living documents that provide a history of what we have accomplished in the past, initiatives we are currently working on and issues that need to be addressed in the future. In addition, they help coordinate the efforts of other professionals we collaborate with.


Mindful Stewardship - Integrating your values, vision and wealth

When done effectively and maintained properly  our process provides benefits beyond financial, things like:

Confidence Knowing your loved ones are taken care of

Independence  Knowing you can enjoy a sustainable retirement lifestyle

A lasting legacy  Providing for your family or charitable institutions

Clarity Knowing your finances are aligned with your values and your life

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. © 2003-2018 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.