Investment Management Lifecycle

Our Envision® planning process lets us map a realistic financial course designed to help you prioritize and achieve your most important goals through various stages of life.


Based on your objectives, risk tolerance, investment time horizon and current financial situation, we assist you in developing a plan of action and asset allocation that is suitable for your objectives without exposing you to unnecessary risk.

Establish customized benchmarks unique to your plan and objectives to chart your progress toward reaching your goals.

Adjust your plan as necessary to account for life’s changes, new opportunities and unexpected events.

Charting Your Progress

The Envision Target Zone serves as a foundational tool.

As your goals change, or life events create a need, we use Envision process to re-evaluate how these changes affect your priorities.

Your Envision plan will create a benchmark unique to your goals and circumstances as a way to track progress along the way.

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. © 2003-2018 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.

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Understanding Wash Sales

When you sell an investment at a loss, the IRS lets you deduct the loss from other capital gains. If you want to continue to be invested in the security the IRS’s wash sale rule requires you to accept the risk of being out of the investment for 30 days either before or after the date when the transaction occurs creating the loss.

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2023 Retirement Contributions

As fewer companies offer pensions and Social Security makes up less of the average retiree’s income, you will have to rely more on your own savings for retirement. Making contributions to IRAs and workplace retirement plans (WRP), such as a 401(k), 403(b), SEP IRA, or SIMPLE IRA is an easy way to save for retirement.