How We Work with You

Our Wealth Management Process is a Collaborative Endeavor.

One of us will be your “go-to” professional.
To provide you with focus and attention, one of us will serve as your primary relationship manager who will leverage the combined expertise of our team to deliver a customized wealth management strategy for you and your family.

Just as we ask questions of ourselves, we ask you:
  • What keeps you up at night?  How can we help reduce volatility and improve your outlook?
  • What do you want for your family in the near term and in the future?  How do we help create a legacy or provide for a special needs child?
  • Can you retire in five (or ten) years?  Can we take advantage of a defined benefit plan to bolster retirement savings?
  • Have you reviewed your estate plan?  Are you working with a legal and/or tax professional to implement timely strategies to reduce the size of your taxable estate?

Working hard to earn your trust.

We want to learn about you. We like to meet you in person and identify your priorities. There are no short-cuts to understanding your personal circumstances and objectives. The time we spend with you is vital to the success of our relationship. 

We want to help prepare you to live confidently. We want to understand your investment experiences, assets, liabilities, spending needs, income tax situation and risk tolerance. We will ask about your family, your aspirations, priorities and concerns. And that’s just the start.

Our Evaluation and Analysis. We will carefully analyze your current portfolio, financial situation, multi-generational family needs and estate planning strategies and make recommendations in those areas based on your risk tolerance, time horizon and family objectives. Most importantly, by utilizing our Envision® process, we prepare a forward looking plan designed for your financial success.

We collaborate with you. Our goal is that you fully understand what we propose and why. We will carefully explain our strategies and your customized plan so we are working together to accomplish your goals. We will also agree on next steps including collaborating with your attorney, accountant or other advisors to maximize the effectiveness of your plan, as we are not tax or legal advisors.

We can review your progress while preparing for the future. Upon executing your plan, we look at your progress toward your goals and dreams. We will be prepared to make changes as your needs change, tax laws are revised, time passes or life takes an unexpected turn.

Preserving Wealth Requires Diligence and Focus.

We Utilize The Envision® Process.

We have found that the true measure of wealth management success is when financial decisions continue to reflect each client’s goals at different life stages and asset levels. That’s why we employ Wells Fargo Advisors’ Envision process. This flexible, easy-to-understand process brings objectivity and real-world meaning to your dreams and financial objectives, as they change over time.

By utilizing the Envision process, we identify, prioritize and address your professional and personal goals. And because your situation is unique, the Envision process begins with a frank discussion – with the intent of clarifying immediate circumstances, opportunities and long-term objectives.

The Envision process enables us to work with you to align evolving objectives with new tactics. Investment strategies are customized for you, by combining goals-based planning with our sophisticated statistical modeling. Our goal is to help you live the one life you have in the best way possible, without undue compromise, risk or stress.

The Envision process allows you – and us – to monitor financial progress throughout your life, so at any time, we can answer your question: “How am I doing?”

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.