More Than An Investment Plan


Your “investment plan” doesn’t have to be a cookie-cutter mix of investments and generalized guesswork.

Our Envision® process can do so much more. It goes beyond simply choosing an investment strategy and hoping it works out: the Envision process is a life planning tool that helps us identify, define, and reach your goals.

Instead of tracking your portfolio’s performance against a standardized index, such as the S&P 500, the Envision plan can monitor your progress toward achieving your life goals on your own “Target Zone.”

The process includes:

•  Identifying what’s important in your life
•  Prioritizing your financial goals
•  Coordinating and integrating cohesive solutions for your financial affairs
•  Creating a well-balanced, diversified portfolio based on your objectives, risk tolerance, and investment time horizon
•  Using Envision, you can monitor your results, recognizing life changes and adjusting your strategy as needed

Flexible through life’s changes

No plan can control the fact that you will inevitably experience life changes – some expected and some not:

•  Marriage or divorce
•  Having a baby or adopting
•  Increasing medical costs
•  Changing your career
•  Supporting a family member
•  A death in your family
•  Inheriting money or other assets

If your goals or priorities change, or if fluctuating market conditions threaten to throw your Envision plan off course, you can contact us, and we’ll revisit your plant together. The beauty of Envision is that we won’t lose sight of your goals, dreams, and priorities, even if we determine that your plan needs some adjustments.

Diversification is an investment method used to help manage risk. It does not guarantee investment returns or eliminate risk of loss including in a declining market.
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. © 2003-2021 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.