Our Process
Our process starts with thoughtful conversation and leads
to honest, straightforward financial guidance.
We start with a conversation. We strive to learn and understand what matters most to our clients, what they want to accomplish in life and with their finances, and why it all matters.
This may sound simple, but it’s not. Too often advisors move directly into the “objectives and risk tolerance” conversation before first appreciating the big picture, the vision behind the goals. Understanding the vision, identifying the values that need to be honored along the way, and identifying the goals that will move us together toward that vision is critical.
Once we understand our clients’ life and financial objectives, we then utilize all the tools and intelligence at our disposal to design and implement a customized roadmap that will help us collectively move forward. Utilizing our Envision process, we take into account everything from cash flow needs to philanthropic interests, tax status to family dynamics, life values to communication preferences. By the time we get to this point, we have such impeccable clarity on who our clients are, what they want and why they want it, that we can design solutions that are perfectly appropriate. When we understand not only what our clients want to achieve, but the big picture and the motivations behind it, we’re in a better position to design a plan that works.
Conversation and thoughtful design is a specialty of ours because it’s what we’ve collectively spent decades refining. Whether we’re developing a financial strategy or portfolio allocation, determining the proper risk management balance, estate investment planning, retirement planning, business succession strategy or educational funding approach, it’s an area on which we’ve been focused for a long time for clients just like you.
Think beyond your lifetime if you want to
accomplish something truly worthwhile.
- Walt Disney
Our Services
Investment Management
Discretionary and consultative asset management utilizing a wide range of vehicles: individual equities and fixed income instruments, mutual funds and Exchange Traded Funds.
Retirement Planning
Help making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Help managing assets before and during retirement.
Education Funding
Recommending investment and accumulation strategies to help you pay for your children's education.
Estate Investment
Planning*
Coordinating with your estate planning attorney to review your will and trust, preserve your estate for your intended heirs, establish beneficiary designations, and reduce potential estate tax exposure and probate costs.
Risk Management**
Reviewing existing insurance policies and recommending alternatives where appropriate.
Access to Lending
Services***
For our clients who qualify, access to Wells Fargo Bank’s world-class Private Banking services.
*Wells Fargo Advisors Financial Network and its affiliates do not provide legal or tax advice. Transactions requiring tax consideration should be reviewed carefully with your accountant or tax advisor. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.
**Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
***Offered through Wells Fargo affiliates
An investment in knowledge pays the best interest.
- Benjamin Franklin
The Envision® Process
Wells Fargo Advisors Financial Network's Envision® planning process offers you an easy, effective way to identify your highest priority goals and develop an investment plan designed to help you live your life the way you want.
The centerpiece of your Envision investment plan is a personalized benchmark called “the dot.” We use the dot to monitor your progress toward achieving your goals instead of tracking your portfolio's performance against a major standardized index such as the S&P 500.
The Envision process lets us look at your profile on a regular basis and make sure that you are staying on track. Keeping your dot within the Target Zone helps ensure you're working toward your goals without making undue sacrifices or taking unnecessary risk. The Target Zone is a set of investment parameters in which you can feel confident that you are on track to achieve your goals.
The Envision process also gives you the flexibility to adjust your plan for any of life's changes, such as:
- Increasing
medical costs - Getting married
or divorced - Helping a child or grandchild
afford higher education - Caring for an
elderly parent - Starting a
second career - Inheriting money
or other assets
The Envision process is designed to help you live the one life you have the best way you can, without undue financial sacrifice or overexposure to risk. Defining tomorrow, today.
Please contact us today at (818) 436-6800 for a complimentary consultation and your personalized Envision report.
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.