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.
Social Security Questionnaire
This is a form that helps you calculate an approximate amount you will receive when you are qualified to receive Social Security. Your Financial Advisor will use the information you provide on this form to create your Social Security analysis. You will need a copy of your Social Security statement to complete all of the information needed.
529 Plan Distributions
You’ve prepared for this special time when your child heads off to college. Your child has applied and been accepted. Financial aid and scholarships may or may not have been provided, but you saved money ahead of time with a 529 plan. Now it’s time to write that tuition check, but before you do, make sure you know the answers to some common questions listed below. Using your 529 plan in a nonqualified way could result in unexpected income taxes and penalty.
Financial Tips after Job Loss
While being displaced is never a pleasant situation, taking control of a life-changing event can help you alleviate some stress and concern. At Wells Fargo Advisors, we know that in difficult times, planning may be more important than ever. Our goal is to work with you during these challenging times, and continue our relationship no matter your life stage.
Introduction to College Financial Aid
Financial aid has enabled many students to achieve their education goals that otherwise may have been unattainable due to the high cost. The financial aid rules and process can be complicated, so it will be important for you and the student to familiarize yourselves with the various aspects discussed throughout this report.
Ready to Retire?
Before you exit your employer’s door for the last time, you’ll want to feel confident you’re as prepared for retirement as possible. Check each item on the list below and ask your Financial Advisor how he or she can help increase your confidence in your retirement preparation strategy.
