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A Plan That Changes with Your Life

At its core, our process is simple. It all begins with a foundation of trusting, personal relationships with our clients. We start here because we believe our team can operate best – and we can provide the most objective, sound advice – when our clients trust us to fully understand what they hope to accomplish in the future.

Each step in our planning process is intended to guide you forward, and the plan itself is flexible enough to provide you with confidence that, as life presents new opportunities and challenges, your financial future will stay the course.

1. Learning

In our initial meeting with you, our priority is forming a full picture of your financial life. Not only do we want to get to know you and your family, but we also want to fully understand what matters most to you, whether it's your community, your business, your time spent with loved ones, or anything in between. Laying the groundwork for a strong, long-lasting relationship will guide us as we begin to build your investment plan, and it'll be of the utmost importance that trust is shared between both parties.

2. Building

Just as crucial as building trust with you is our ability to properly build a plan around the goals you have for yourself now and that which you wish to accomplish in the future. Utilizing Wells Fargo Advisors' eMoney process, we plan your investments around benchmarks that hold real meaning for you and your loved ones. This framework allows us to advise on the specific investment recommendations needed to bring about the results outlined in your plan. After you review the plan and we've made any necessary adjustments, we begin to implement our recommendations.

3. Implementing

The eMoney process will help us arrive at an asset allocation (investment mix) that supports your objectives. With your plan and our recommendations in place, we will also "stress test" your investment portfolio through statistical modeling when creating your plan to help you determine how likely you are to achieve your goals. The investment mix we propose will take into account your goals, concerns, risk tolerances, and financial circumstances. While the plan is in action, we'll also review your progress toward achieving those goals.

4. Adjusting

It will be important to continually review your plan and the investments needed to bring about its results, as it can require adjustments based on your changing needs. Whether we're updating your plan due to fluctuating market conditions, changes or events in your life, or new dreams and goals, our process is built to be tinkered with. After all, adjusting to change is necessary in many facets of our lives, and your investment plan should be no different. Our clients appreciate having the confidence of knowing their plan can accommodate the twists and turns of life.

Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.

Clarity to Bring Your Plan to Life

Through Wells Fargo’s LifeSync experience, clients can align their money with what they want to accomplish with the help of eMoney Advisor® planning tool.

eMoney focuses on connecting your money to what is important in your life. This purpose-driven investment planning strategy allows you to make choices by thoughtfully looking at the big picture, instead of making changes based on short-term factors.