Our Envision® Process

  • Our investment planning process helps you and your Financial Advisor plan your portfolio around your real-life goals, dreams, and needs.
  • Your advisor will put the process’ tools and technology to work to track your performance and help you make adjustments whenever necessary.

Define — and invest in — your “big picture”

Ever feel like you spend too much time trying to keep your finances or investments straight? Or wish your financial “big picture” pointed toward a future you feel confident in?

If you’re ready to align your financial life with your real life, you’ve come to the right place.

If you’re ready to align your financial life with your real life, you’ve come to the right place.

At Wells Fargo Advisors, we’re proud of what sets us apart — our life-centered Envision process.

So much more than an investment plan

“Investment planning” often boils down to cookie-cutter investment mixes and generalized guesswork. It’s better than nothing, but it’s impersonal and vague.

The Envision process does more.

Our process goes beyond simply choosing an investment strategy and hoping for the best. It’s a life planning tool that helps you and your Financial Advisor:

  • Explore your life goals
  • Plan your investments around benchmarks that hold real meaning for you
  • Track your progress toward them

Best of all, it gives you and your advisor the tools you need to:

  • Decide on an appropriate investment strategy
  • Track your progress
  • Re-sync — or rethink — your approach whenever necessary

Put a process behind your plans

Infographic - We turn financial puzzles into focused plans

When you work with one of our Financial Advisors, the conversation starts by exploring your big-picture plans, hopes, and dreams. With the help of our unique Envision Priority Cards, you and your advisor will prioritize your goals for the future and map out a financial course to help you achieve them.

Your Envision plan will take into account:

  • Life goals
  • Education goals
  • Assets
  • Liabilities
  • Cash-flow requirements
  • Retirement planning needs
  • Levels of acceptable investment risk
  • Asset allocation objectives

Setting and prioritizing goals

The Envision process is built for tinkering, adjusting, and updating. You can “try on” or “test-drive” big-picture goals and ideas to find out how they’ll play out within an investment strategy.

Putting your plan in motion

Once you’ve penciled in your goals, the Envision process will help you arrive at an asset allocation that supports your objectives. Your advisor will “stress test” your investment portfolio through statistical modeling when you modify a goal.

A “reasonable” plan result of 75 to 90 is your investment sweet spot. We call this the “Target Zone.”

Anything above the Target Zone, might show over confidence in reaching some of your high-priority goals. But you might assume more risk than necessary or sacrifice some goals at the expense of others.

On the other end, you don’t want a plan result so low (below 75) you feel less confident in your ability to achieve your goals.

As you go forward, the Envision process makes it easy to keep track of your progress and realign your investment plan with the Target Zone whenever necessary.

Staying on track

We show you how your investment performance today measures up against your plans for tomorrow.

Think of your dot as a personal growth chart for your progress toward your financial goals.

Imagine something as simple as a black dot — and a series of dots — to pinpoint and chart your progress toward your life goals. Think of your dot as a personal growth chart for your progress toward your financial goals.

With the Envision process, your dot moves up and down in correlation to the value of your investments. We’re tracking your ongoing investment results against your unique Target Zone rather than a standardized index such as the S&P 500®. That puts you in a better position to answer the question, “How am I doing?”

Keep your big picture in view

The Envision process and your advisor will not lose sight of your goals, dreams, and priorities. They may remain the same for many years, or change over time. Whether it’s a life or market event, the process can be updated easily to adapt to your new goals or circumstances.

Throughout your Envision journey, your advisor will monitor how your plan is performing against your performance benchmarks. Helpful, reader-friendly progress reports will update you as frequently as you wish.

You’ll regularly address questions critical to your financial big picture, such as:

  • Are you compromising your goals with your investment choices?
  • Are you taking too much financial risk — or not enough?
  • Do your goals need adjusting, or do you need to allow more time for achieving them?

Based on your goals, priorities, investments and risk tolerance, the Envision process helps you and your Financial Advisor respond to these questions and move confidently toward your goals.

Flexible when life throws curves

Infographic showing what the plan result score reflects. 50-75 is below target. 75-90 is the target zone. 90-100 is above target.

Life has a way of throwing new opportunities and unexpected events our way. If your life goals change with time or fluctuating market conditions threaten to throw your Envision plan out of whack, contact your Financial Advisor. He or she can help you determine if your plan needs adjusting.

The following life changes and events might call for adjustments to your Envision plan:

  • Marriage or divorce
  • Birth or death
  • Increasing medical costs
  • Helping a child or grandchild afford higher education
  • Caring for an elderly parent
  • Starting a new or second career
  • Inheriting money or other assets

We’ve found most people appreciate a planning process that adjusts to and accommodates the twists and turns of life.

It’s about you and your path forward

At Wells Fargo Advisors, we’ve built one of the nation’s premier investment firms around a deep respect for planning. Our commitment to helping you plan effectively, invest wisely, and map a realistic course to your future is nowhere more evident than in our Envision process.

Next Steps

  • Decide if you’re ready to put a plan and process behind your investment portfolio.
  • Start thinking about the life goals you’d most like to invest toward.

Special Reports

A collection of the most recent thematic reports from Wells Fargo Investment Institute that cover varying topics of interest and importance to investors.

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