Approach
Get a clear view of your financial world
Wurm & Frye Wealth Management helps you on your way to achieving a better retirement by bringing new clarity to your life goals and striving to enhance your confidence in meeting them.
- Define major life goals
- Set ideal and acceptable goals
- Prioritize goals
- Stress test goals
- Recommend plan
- Implement Allocation
- Monitor Progress
- Revisit goals or priorities
We begin by developing your personalized Envision® plan, where we address all aspects of your financial situation and investment structure so we can uncover any potential challenges and capitalize on opportunities.
The Envision planning program puts you at the center of your financial world in a refreshing, personal way. We'll have conversations to help us learn about your values, goals, charitable intensions, and tolerance for risk. Then we'll draw on our years of experience and put a plan in place to help you meet your financial needs. Your Envision plan serves as a framework for the strategic allocation of your portfolio and is reviewed regularly to keep it in sync with your life.
How am I doing?
Your Envision plan answers the key question, “How am I doing?” By working side-by-side with you — adjusting planning scenarios and techniques in real time — you can clearly understand the financial impact of your financial decisions.
The Envision (registered trademark) process consists of defining major life goals, setting ideal and acceptable goals, prioritizing goals, stress testing goals, recommending plan, implementing allocation, monitoring progress, and revisiting goals or priorities.
Envision uses Monte Carlo simulations, which are based on historical and hypothetical information; there is no guarantee that actual; future investments will perform in accordance with the simulated trials.
Instead of tracking your portfolio's performance against an Index, such as the S&P 500, we monitor progress toward achieving your life goals and objectives. Your plan will illustrate how well your investments are helping you work toward achieving your goals, and we'll have the flexibility to adjust your priorities, if necessary, based on lifechanging events or milestones.
Our comprehensive wealth planning covers all areas of investment planning. View our services here.
Investing in risk-managed strategies
We believe that financial success is best achieved when we collaborate to fully understand your situation, capture your investment and life goals, and put a plan in place to achieve them.
Based upon your risk profile and time horizon, we'll determine an asset allocation and diversification strategy to address your unique goals and objectives.
To help prepare your future and build toward a secure tomorrow, your investment portfolio will include carefully selected cost-effective strategies including Exchange Traded Funds (ETFs) and mutual funds. We review your portfolio and meet with you either in-person or via the phone, to review progress towards your goals and make adjustments as needed.
If you ever have a question or service issue, we are available to speak with you to help find the answer or resolve your issue.
Efficient Frontier Chart is conceptual and does not reflect any actual returns or represent any specific assets classification.
The efficient frontier is the set of optimal portfolios that offer the highest expected return for a defined level of risk or the lowest risk for a given level of expected return. Portfolios that lie below the efficient frontier are sub-optimal because they do not provide enough return for the level of risk. Portfolios that cluster to the right of the efficient frontier are sub-optimal because they have a higher level of risk for the defined rate of return.
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. © 2003-2021 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and is not directly affiliated with Wells Fargo Advisors.
Special Offer!
Click below to request your FREE copy of
The Most Common Retirement Mistakes.
