Not every advisor is a good match for every client.  We are proud of our low client to advisor ratio which helps to ensure we have adequate time to dedicate to our client’s important retirement planning needs.

Are you three to five years from retirement?  We work with clients who are nearing retirement by helping them make critical decisions about their pension and/or retirement benefits.

We follow a process that organizes your financial life into a comprehensive plan so you can gain clarity, confidence and structure about your future.

Step 1: Getting to know each other

We start with an initial meeting where we will introduce our process and approach.  It’s a time for asking questions and getting to know one another.  Then together, we will decide if it makes sense for us to work together.


Step 2: Understanding your financial matters AAA New Envision Process Wheel-01.jpg

Next, we get to work and begin the process of organizing your financial life.  We take an inventory of your investments, retirement plans, pensions and other assets and analyze your income needs so we can gain clarity about your situation and put a plan in place to move forward.


Step 3: Putting a plan in place

We start the Envision® planning process – our structured framework that clearly documents your retirement road map. We help prioritize your long-term and short-term goals, uncover and, if needed, claim the pension benefits you are due and determine when you should claim Social Security. We also consider putting  an end of life plan in place so your spouse is taken care of if you die.

Step 4: Providing ongoing oversight AAA Target-Zone-graph-01.jpg

Life changes and so do your financial matters. That’s why we continue to work with you to help ensure your retirement stays on track. We meet with you to review any changes to your financial life, chart your progress toward goals and make any adjustments to your plan so it stays up to date and in sync with your life.

By tracking your ongoing investment results against your Envision “Target Zone” you’ll always have the confidence to be able to easily answer the question, “How am I doing?”

Our planning approach allows us to organize your financial life and make your retirement less complicated.

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. © 2003-2021 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.