First Step

Getting to know you

·       Discuss the process of how I work with clients with an eMoney Advisor® plan and a Financial Strategy Action Plan

·       Have conversation about your goals, time horizon, objectives, and risk tolerance

·       Decide whether it is in your best interest for us to move on to Second Step.

Second Step

Information Gathering

·       You provide all pertinent financial documents

·       Set priority to your goals

·       I complete the Wells Fargo Advisors eMoney Advisor® process

·       Work through the Financial Strategy Action Plan

Third Step

Providing the Investment Plan

·       Discussion with feedback of eMoney Advisor®

·       Investment strategy recommendations

·       Review Fees

·       Agree on communication frequency and style

Final Step

·       Implement investment strategies

·       Scheduled reviews

·       Review life changes

·       Update eMoney Advisor® and Financial Action Strategy Plan

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.