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Our Process

The intelligence of Envision, paired with the knowledge and expertise of our advisors creates a winning team for your financial future.

Method, Criteria and Key Assumptions

Method, Criteria and Key Assumptions

Envision’s simulation model incorporates assumptions on inflation and financial market returns and the potential relationship between these variables based on an analysis of historical data. Using Monte Carlo simulation and data provided by the Center for Research in Securities Pricing, Envision simulates thousands of different potential outcomes over a lifetime of investing. The varying historical risk, return, and correlation between the assets is based on indexes over several market cycles. If the indexes do not provide sufficient historical data to gauge asset-class performances, we may use the performance statistics of related asset classes. 

Before we formulate our recommendations, we analyze and evaluate your financial status in a number of categories including:

  • Budgeting and cash-flow management
  • Investment administration
  • Education needs for children and grandchildren
  • Corporate and personal retirement planning
  • Comprehensive consideration of your goals and expectations
  • Thousands of possible economic environments to anticipate change
  • Complete analysis based upon extensive historical data
  • Personal guidance from our advisors

The projections or other information generated by Envision regarding the likelihood of various investment outcomes are hypothetical, do not reect actual investment results and are not guarantees of future results. Results may vary with each use and over time. Unlike nancial planning, Envision does not incorporate the broader spectrum of assets such as insurance, real estate or savings, into an investment plan, nor does it cover estate or tax planning.