eMoney® Planning

At Gruver Wealth Management of Wells Fargo Advisors, full balance sheet planning is core to our client experience. Delivering on our goal of a “Plan for Every Client” begins with a deep understanding of our clients and their diverse needs and key goals. Armed with this knowledge, we collaborate to define and implement appropriate solutions.

Planning not only prepares you with an action plan for the future, but also a better awareness of your current situation and the milestones you will likely track on your journey. Planning can deliver clarity around your goals and help give your family confidence that your finances are aligned to support them.

Not all planning experiences are created equal. Aligning your goals with an action plan is a specialized skillset that has far more practitioners than masters. With the leadership of Shawn Gruver, of Gruver Wealth Management of Wells Fargo Advisors, as well as him being a Certified Financial Planner® professional, you can be assured that you will be provided with a sound plan for the future.

Our eMoney process can help you plan your investments around your most important life goals. Your plan’s flexibility lets you monitor and adjust your goals and investments as your life changes. You can “test-drive” goals to find out how they’ll play out within your plan.

Planning with a Financial Advisor

We’re not the typical investment firm. Instead of looking for a particular dollar amount as a retirement target, our approach to financial advice starts with your life goals.

Once we have helped you explore your goals, we’ll create an investment plan together to help support them.

Our innovative eMoney planning process helps us keep you on track toward the future you’re planning. Our process is flexible, so we can easily review and update your plan if your goals or circumstances change.

So much more than an investment plan

“Investment planning” can sometimes seem like cookie-cutter investment mixes and generalizations. Although it’s better than nothing, it’s impersonal and vague.

The eMoney process does more.

Our process is a life planning tool that helps us work as a team with you to:

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

Best of all, it gives us the tools you need to:

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

Put a process behind your plans

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

Your eMoney plan can 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

Because the eMoney process is flexible, you can “test-drive” goals to find out how they’ll play out within your plan.

Putting your plan in motion

Once you’ve penciled in your goals, the eMoney process can help us recommend a plan (including an asset allocation) that supports your objectives. We can “stress test” your investment portfolio through statistical modeling when you modify a goal.

As you go forward, the eMoney process makes it easy to keep track of your progress and realign your investment plan when necessary.

Life events might call for adjustments to your eMoney 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

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 eMoney 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

Important: The projections or other information generated by eMoney 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. 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.