"We don't have to be smarter than the rest. We have to be more disciplined than the rest".

-Warren Buffett

Full View Planning Process


A successful journey begins with a thoughtful, carefully constructed plan

At the Kroll Group of Wells Fargo Advisors, we are committed to providing a personalized planning experience. We take the time to get to know you and your family, including your parents and children, to help fully understand your situation and capture your investment objectives, risk tolerance and time horizon.

We engage our “Full View Planning Process” to build strategies to address your goals, including investments, cash flow, retirement, educational expenses, healthcare and insurance needs, as well as your estate, legacy and philanthropic objectives.  


Our collaborative process measures your progress so you know where you stand

Working with you, we have a series of personal conversations to uncover your short- and long-term goals. Using our customizable Envision® planning tool, we set your asset allocation and build your investment portfolio around your real-life goals, dreams, and needs. The Envision plan also allows us to run “what-if” scenarios to test different situations and scenarios.

As we move forward, we meet timely to help you stay on track by reviewing performance and investment allocations, and making adjustments, whenever necessary.



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.

Some people think being a Financial Advisor is all about money. But it’s not. It’s about friendship, integrity, and trust.

The Kroll Group of Wells Fargo Advisors

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 (CA, CO, CT, FL, GA, HI, IA, IL, LA, MD, MI, MN, MO, MT, NC, NY, OH, PA, TX, UT, VT, 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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© 2022 Wells Fargo Clearing Services, LLC. All rights reserved.

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