Developing your investment plan

Through our Envision® process, we work with you to develop an investment plan based on your unique financial circumstances. These include your assets and liabilities, income and expenses, financial goals, risk tolerance, time horizon, tax considerations, liquidity needs and any other relevant factors.


Asset allocation

Based on these circumstances, we identify an a suitable allocation of equities, fixed income, alternative investments and cash alternatives for your investment portfolio. Using a statistical tool called a Monte Carlo simulation, we “stress test” your asset allocation under a wide range of hypothetical future market conditions, from favorable to unfavorable. This allows us to identify an allocation that provides you with the highest likelihood of success given your ability and willingness to take risk.


Portfolio selection

After identifying a suitable asset allocation, we employ our Private Investment Management (PIM) portfolios to implement it. Our portfolios include individual stocks, low-cost equity and fixed income exchange traded funds (ETFs), individual bonds and money market mutual funds.

Click here for the Index Portfolio Investment Policy Statement

Click here for the Select Index Portfolio Investment Policy Statement


Ongoing portfolio management

We manage your portfolio using a combination of active and passive as well as top-down and bottom-up approaches to provide the right risk-adjusted returns for your investment objective, whether conservative or aggressive or somewhere in between, while also accounting for expenses, taxes and cash flows.

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The PIM program may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000.