Wealth Management Process

Clarifying Your Goals

Our unique Envision® planning process offers you an easy, effective way to identify your highest priority goals and develop an investment plan designed to provide you with the wealth you need to live your life the way you want. The centerpiece of your Envision investment plan is a personalized benchmark called “the dot.”

Tracking Your Progress

Instead of tracking your portfolio's performance against a major standardized index, such as the S&P 500, we use the dot to monitor your progress toward achieving your life goals.

The Envision Target Zone also serves as a foundational tool when your goals or priorities change or when life events create a need to re-evaluate how changes affect your goals and priorities. Using your dot (see below), your Financial Advisor can update you on your progress as frequently as you want – monthly, quarterly or annually.

Envision also gives you flexibility to adjust your plan to account for any of life's changes, such as:
  • Change of jobs
  • Sale of a business
  • Getting married or divorced
  • Relocating your household
  • Helping a child or grandchild afford college
  • Starting a second career
  • Retirement
  • Inheriting assets
We offer ongoing advice and proactive communications so you are always fully informed and comfortable with your full financial picture as goals change.
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. Elements of the Envision presentations and simulation results are under license from Wealthcare Capital Management LLC. © 2003-2018 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.