The Envision® Planning Process

We are listeners and problem solvers and are dedicated to understanding and appreciating the uniqueness of each client. Your priorities are our focus.

Step 1. Starting the conversation 

During our initial meeting, we take the time to get to know you and your family. We'll explore your goals and discuss any wealth management concerns you may have. We will introduce our wealth planning strategies and then, together, decide if it makes sense for us to work together.

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Step 2. Learning about your situation

Through a series of conversations, we uncover the details of your financial situation. We discuss your long-term and short-term goals and priorities, the roles of your accountant, lawyer, and estate planning attorney and what wealth planning strategies you have in place. This in-depth discovery allows us to understand your total wealth management needs.

Step 3. Creating your customized plan

Next, we employ our sophisticated Envision® planning software to help create your strategic asset allocation and investment strategy. We'll also create coordinated wealth management strategies to take into account your life and retirement goals, assets, liabilities, cash-flow requirements, levels of acceptable investment risk and asset allocation strategies.

Because your wealth management plan may cover many different areas and multiple generations of family members, we may also coordinate with your other professional advisors.

Step 4. Reviewing your plan to help stay on track

We review your plan and can evaluate investment results based on your Envision “Target Zone” so you’ll always be able to easily answer the question, ”How am I doing?”

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Step 5. Dealing with change

Life has a way of changing and often has unexpected twists and turns. Our personal approach, timely communication and high level of client service means we are here for you and can talk through any necessary adjustments to your strategy.

Our collaborative planning process is designed to help bring clarity in defining your goals and building an integrated plan to help achieve them.

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. ©2003-2020 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.