Our Process

Your investments should work together to help you reach your financial goals. You have access to many investment products and services. Here are some we offer to help you build your plan for the future and for now.

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 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.

A well-designed investment plan should not only reflect your long-term goals and a comfortable level of risk, but it should also serve as the foundation of a longterm relationship. Working together, we will follow a four-step process to develop your customized investment plan:

Step 1 : Understand your goals
We conduct a personal interview with you to obtain the background data needed to develop your plan. If appropriate, we also consult with other professional advisors, including your attorney and tax advisor, to understand all pertinent details of your financial circumstances.


Step 2 : Develop a plan Our second meeting is designed to develop a shared vision of your dreams. We will prepare a comprehensive presentation for you to consider, and you will have the opportunity to raise questions and confirm the interpretation of your investment goals. We will then review specific investment recommendations for your approval. Step 3 : Implement recommendations We believe it is imperative that you understand and are comfortable with your investment strategy. Once we have worked out the details with you and received your approval, we will put your plan into action.

Step 4 : Evaluate progress
Investing is not a one-time event. Rather, an investment plan requires continual maintenance to help ensure that it stays on target. Your plan can be reviewed regularly, and the allocations within your portfolio rebalanced as necessary based on changes in the markets or your life. Once your plan is in place, you will be able to receive monthly statements (as long as there is activity in your account), costbasis tracking, and e-statements. We are also willing to sit down with you whenever you have questions, concerns or ideas.

Everything we do at Upland Wealth Advisors is designed to give you financial confidence and understanding to let you start living the life you want. We put our clients first. Period. Building long-term professional and personal relationships with our clients has been the most satisfying aspect of our careers. Because every client faces unique issues and opportunities, we use all available resources to design, implement and monitor a tailored, comprehensive wealth management path. We have assembled a team of highly qualified professionals, supported by one of the nation’s leading financial services firms, because the complexities of life exceed the capabilities of one financial advisor.

We start with a sound framework – one based on detailed financial information and careful calculation. Because markets, families and goals are always changing, our team is prepared to lead you through those changes. We provide fully integrated, goals-based financial solutions to help families, businesses and organizations build, manage, preserve and transition wealth. Our team will connect you with our network of trusted professionals, or work with your existing professionals such as your attorney, accountant and insurance agent, to help enhance your wealth plan by creating a cohesive financial strategy. Our collaborative approach, and proven wealth management process delivers results for our clients.