We start with your life and plan your wealth around it

Financial Advisor meeting with clients

Getting To Know You

The goal is to engage you in the process. It starts with a conversation to learn about you, your family, your work life, and personal life. We focus on your short-term and long-term goals and priorities and build plans to help achieve them.

We focus on understanding your:
  • Aspirations, priorities & concerns
  • Risk tolerance
  • Assets & liabilities
  • Sources of income and cash flows
  • Liquidity needs
  • Retirement goals
  • Estate investment planning needs
  • Risk management and insurance needs including, life, long-term care, and disability

Building Your Plan

Our goal is to provide you with an assessment of your complete financial picture. We use our Envision® planning software to document your goals and review your progress toward reaching them. Transparency and mutual understanding are key to your success.

Financial Avisors hands on a conference table

Managing Investment Risk

Our investment methodology is driven by the belief that managing portfolio risk helps enhance growth over time. The process uses strategic asset allocation and analysis to help select appropriate investments to minimize risk while providing the opportunity for growth to help achieve each your unique investment goals.

*Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.

Meet to Review Progress

Planning is an ongoing process. We meet with you to review and adjust your plan, so it stays up to date and in sync with your changing life.

If your goals or financial circumstances change, it’s easy to update your Envision plan and measure the impact on reaching your goals. By tracking your ongoing investment results against your Envision “Target Zone,” you’ll always be able to easily answer the question, “How am I doing?”

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

IMPORTANT: The projections or other information generated by the Envision tool 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.

Our process will help keep you on track so you always be able to easily answer the question, “How am I doing?”