Envision Planning


Envision® Planning

The Envision Planning Process

Because life and the markets change over time, you need an investment plan that helps you know exactly where you stand - now, tomorrow, and in the years to come. Combining goal-based planning with sophisticated statistical modeling, Wells Fargo Advisors’ Envision process creates an effective, easy-to-understand method for you to prioritize and pursue important life goals. Ultimately, 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.

97% agree their plan is personally tailored to meet their unique goals.

95% agree having an Envision plan helps them feel better prepared for retirement.

91% agree their plan helps them talk to their Financial Advisor about significant life events.

Source: Results are based on a survey conducted online by Versta Research from July-August 2016 among 762 investors with Financial Advisor relationships. Results are not representative of other client experiences or indicative of future success or performance. The Envision process is a brokerage service provided by Wells Fargo Advisors.

 

 

 

 

 

 

How the Envision process works -

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A key component - the Target Zone

As a result of the Envision technology's powerful statistical modeling, the Ideal (blue), Recommended (green) and Acceptable (red) scenarios provide separate plan results.  These represent the number of the simulations that met or exceeded your goals.  For example, a plan result of 82 signifies that approximately 820 out of 1,000 simulations met or exceeded all of your goals.  This result is deeper than a simple "pass-fail" interpretation.

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Charting your progress

The Envision Target Zone also serves as a foundational tool when your goals or priorities change, or when life events create a need to re-evaluate how changes affect your goals and priorities.  With the "Dot," I can update you on your progress as frequently as you want - weekly, monthly or annually.

 

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The Target Zone may help you evaluate your Recommended Plan. It does not represent a projection of future portfolio values. The Target Zone graph is shown in actual dollars. The Envision technology uses Monte Carlo simulations, which are based on historical and hypothetical information; there is no guarantee that actual future investments will perform in accordance with the simulated trials.

 

Important: The projections or other information generated by the Envision® tool regarding the likelihood of various investments outcome 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. © 2003-2018 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.