It’s as true for financial and investment matters as it is for life in general: planning provides guidelines and goals for future decisions and establishes a means of measuring success.

At the Kinnear Private Wealth Management Group of Wells Fargo Advisors, we have a deep respect for this process and we are committed to helping you plan effectively, invest wisely, and map a realistic financial course into the future.

By blending the human dimension of personal goal-setting with innovative technology, the Envision® planning process goes far beyond simply aiming for a dollar amount or trying to match a performance benchmark. We provide our clients with the tools and technology needed to effectively discuss their life expectations, confidently decide on an appropriate investment strategy, track progress, and make adjustments along the way.

We’ll sit down together and explore your goals and dreams and seek to understand any concerns you might have around achieving them.

  • Estate and legacy
  • Taxes and inflation
  • Risk tolerance
  • Managing liabilities
  • Philanthropy
  • Income
  • Education goals
  • Market decline
  • Today vs. tomorrow
  • Retirement age
  • Outliving your assets
  • Dreams and major purchases
  • Business transition and succession
  • Supporting parents and/or adult children
  • Increasing medical costs

Because your plan will be constructed around your priorities, we’ll discuss everything listed above.

“Stress Test” Goals and Develop an Appropriate Plan Recommendation

We utilize our Envision® process to stress test your goals and make a plan recommendation presented in an easy-to-understand report. This will help your proposed strategy reflect your financial objectives and priorities in coordination with dynamics in the marketplace.

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.

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.

Wells Fargo Investment Institute, Inc. is a registered investment adviser and wholly-owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.

With a thorough understanding of your current financial situation, goals and priorities we design a custom-tailored plan and suggest appropriate asset allocations and investment strategies to help you achieve your objectives.

Your investment program is exclusive to you and your family and it is backed by research, insights, and guidance from the Wells Fargo Investment Institute , which includes some of the most experienced financial professionals in the industry.

Your personalized Envision plan will create a benchmark unique to your goals and circumstances as a way to track progress along the way. This information will update each night and is available on your statements and online.

Change can present challenges, whether it happens in your own life or in the world around you. If your goals or financial circumstances change, or the markets fluctuate, we’ll have a framework established that will allow us to adjust and measure the impact it has on your ability to stay on track.

Your plan is a “living” document that is updated in “real-time” and available online and on your statements. We’ll be continually adjusting strategies to create an investment portfolio that’s current and accurately reflects your life, needs, and your goals.