Investment Approach

The Spiegel and Fine Financial Consulting Group of Wells Fargo Advisors utilizes our 5 step process to develop your tailored investment plan. We take the time to understand your personal and professional goals and make a plan to see those goals to fruition.

Step 1: Discovery

We begin our process with the discovery meeting. We take the time to get to know you and understand your current financial fitness. We listen to your needs, we address your cash flow, your liabilities, and your goals. The Spiegel and Fine Financial Consulting Group of Wells Fargo Advisors is here to guide you to financial clarity.

Step 2: Establish Foundation

Understanding the information gained from the Discovery process we will begin to create a custom plan for you. We establish the foundation for why you are investing and begin to develop your financial road map to help reach your goals.

Step 3: The Plan

The foundation has been set. The Spiegel and Fine Financial Consulting Group of Wells Fargo Advisors believes that our detail oriented procedures in creating the plan will empower you to be able to help reach the goals you have established.

Step 4: Envision

The Envision Plan encompasses everything about you. This comprehensive document compiles everything The Spiegel & Fine Financial Consulting Group of Wells Fargo Advisors does for you all in one place. This process includes a stress test to help make sure market conditions do not hinder meeting your goals. You will also be able to track the progress of meeting those goals.

Step 5: Review and Evaluate

The final step is ongoing. We carefully review your investments to help give you the confidence that you will be able to reach your goals. This step offers flexibility along the way, when a life event happens we can adjust your plan accordingly. With this dynamic you will also be able to “try on” goals helping you define tomorrow, today.


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. 

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (AZ, CA, CO, CT, DC, FL, MA, MD, MO, NV, NY, OR, PA, TN, TX, UT, VA, WA). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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