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.

Financial Advisor going over paperwork with client

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.

financial advisors hands at conference table

Medicare taxes for higher-income taxpayers

If you are a higher-income taxpayer, you are likely paying more taxes because of these two key tax provisions

2021 Tax Planning Tables at-a-glance

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.

529 Savings Plans

Building the assets you’ll need to fund a child’s or grandchild’s education is a challenge, but you may be able to meet it by contributing to a 529 plan.

Financial Advisor showing client information on a tablet

Frequently asked questions about today’s Social Security claiming strategies

This report answers some of the most frequently asked questions about today’s Social Security claiming environment.

Retirement Plan Contributions At-a-Glance, 2021

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.

financial advisor team consulting with client

Income Planning

You Work Hard for your Money... Make it Work Hard for you.

Simple IRA Retirement Plan for Employees

Like many Americans, you’re probably concerned about whether you’ll have enough savings to live comfortably in retirement. Your employer understands this and is offering you an easy way to save — a SIMPLE (Savings Incentive Match Plan for Employees) retirement plan. This plan offers significant tax benefits while you’re working and can help you build personal wealth for your retirement years.

Financial Avisors hands on a conference table

Defining Tomorrow, Today

Because life and the markets change over time, you need an investment plan that helps you know exactly where you stand — now, tomorrow, and in the years to come. The Envision process does just that.

Dollar Cost Averaging

Dollar cost averaging is a systematic approach to investing. It is a strategy that overlooks day-to-day market fluctuations and acknowledges the difficulty in pinpointing the best time to invest. Instead, a fixed dollar amount is invested regularly over a period of time. While it does not guarantee a profit or protect from a loss, it simply focuses on asset accumulation and avoids guesswork.