Envision® your future

Our investment planning process helps us gain a better understanding of your current position, your desired destination, and any blind spots along the way. Our team uses the Envision process to help your family gain and maintain your wealth across generations.

How it works

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We start by getting to know one another and establishing our working relationship. We’ll get to know you, your family, and your personal situation, and we’ll discuss your concerns and goals for the future. We begin with your life and then plan your money around it. 
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When we have a full understanding of your financial picture, we recommend a plan to you based on your risk tolerance, priorities, retirement goals, estate planning needs, risk management, and insurance needs, to name a few. Our Envision planning technology even allows us to take your plan out for a “test drive” before implementing it. 
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When you feel confident that our recommended investment strategies will keep you in your “Target Zone,” we implement them. We make sure everything is documented so that we can evaluate your progress as we go. 
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You go on living your life. We chart your progress and continue to schedule meetings with you to review and adjust your plan as your life changes. Aside from our meetings, you can login to your online account and track your portfolio yourself. We encourage you to reach out to us as questions arise.

Your “target zone”

Think of your dot as a personal growth chart for your progress toward your financial goals. By tracking your investment results against your personal Target Zone rather than a standardized index, such as the S&P 500®, you’re in a much better position to answer the question, “How am I doing?” A successful asset allocation (investment mix) will be able to support your objectives by staying within your Target Zone.
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Diversification is an investment method used to help manage risk. It does not guarantee investment returns or eliminate risk of loss including in a declining market.

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.

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. © 2003-2019 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.