Envision Process

"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 1000 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 in 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 2005-2016. Wealthcare Capital Management LLC All Rights Reserved.  Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.

Using advanced statistical simulation methodology, Envision can assist in finding the delicate balance needed to help you to progress toward your goals.

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With your help we can use the Envision process to help you answer critical questions all investors may face:
  • Am I compromising my goals too much with my investment choices?
  • Am I taking too much risk or not enough?
  • Am I compromising my life today for tomorrow?
  • Do I need to reevaluate my goals or the time projected for achieving them?
Based on your responses to these types of questions, investments and risk tolerance, Envision helps us set a realistic strategy.
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's simulation model incorporates assumptions on inflation, financial market returns and relationships between these variables based on an analysis of historical data. Using Monte Carlo simulations, Envision simulates thousands of potential outcomes over a lifetime of investing. The varying historical risk, return and correlation between the assets is based on indexes over several market cycles. If the indexes do not provide enough historical data to gauge asset-class performance, we may us the data of related asset classes. Elements of this report's presentations and simulation results are under license from Financeware, Inc., patents pending.