Define major life goals – The Envision process begins by exploring your goals and dreams and discussing any concerns you have about being able to achieve them.
Set ideal and acceptable goals – We examine your ability to achieve your goals in multiple scenarios, starting with the ideal and the acceptable. The ideal scenario represents your goals and dreams in a “perfect world”. The acceptable scenario represents the compromises you could make to your ideal goals and still feel comfortable with your life.
Prioritize goals – We work together to ensure you will be able to achieve the goals you value most.
Stress test goals – The Envision technology stress tests each scenario 1,000 times. During each of these 1,000 iterations, your goals are subjected to simulated random market returns (up years, down years, flat years, etc.) to help determine how likely you are to achieve their goals.
Recommend plan – Once there is a thorough understanding of your ideal or acceptable goals, a recommended plan is created that will incorporate the goals you value most while potentially deemphasizing some of your lower priority goals.
Implement allocation – Based on your goals, dreams, concerns, risk tolerances, and financial situation, an investment mix will be proposed to help you achieve their goals.
Monitor progress (the “Dot”) – Your Envision plan will create a benchmark unique to your goals and circumstances as a way to track progress along the way. This information updates each night and can be displayed on statements and online.
Revisit goals and priorities – If your goals or financial circumstances change, it’s easy to update your Envision plan to account for the changes and measure the impact it has on your ability to stay on track.
