1.   Initial face-to-face meeting

The first step in creating a great long standing advisor relationship is to get to know each other. This entails both personal and financial characteristics. As it pertains to financial details, we will establish goals and time horizons as well as defining risk parameters. We will create a financial profile and identify investable assets. Lastly, we will determine and agree upon a cost structure. At the end of this meeting, begins our client-advisor relationship.

2. Getting Started

Once our client advisor relationship has been established, the process of delivery of assets to Wells Fargo Advisors begins. After the delivery of investable assets is complete, the agreed upon investment strategy will be implemented.

3. Active Portfolio Management

We have designed five investment strategies to help address the investment needs of our clients. Four are focused on growth of principal and growth of an income stream. We have one strategy with an aggressive growth/speculation objective. We employ a strict buy/sell discipline in an attempt to avoid large losses and to provide greater predictability of our process. These strategies are used as a base for the client's portfolio. We customize portfolios beyond the constraints of the strategies, upon the client's request, but may not always follow the client picked stocks as closely as those in our strategies.

4. The eMoney® Tool

To assist in our planning process we use the eMoney® tool to help determine the probability of reaching your goals. Through the LifeSync® process, the eMoney® tool can help you plan your investments around benchmarks and life events that hold real meaning for you. The process can connect you to your investment strategy in a refreshing and personal way. Even better, it can help you answer that most critical of financial questions, “How am I doing?”  

IMPORTANT: The projections or other information generated by eMoney® 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 overtime.

Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.

5. Communication

We will establish an agreed upon review schedule including face to face meetings, conference calls and planning reviews. We also encourage clients to contact us anytime with questions or concerns.