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 Envision 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 Envision 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 Envision 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. 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 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 Envision 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 Envision 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 Envision 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 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

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

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® 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. © 2003-2019 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.