Services
Our Approach-
Bring Clarity to Your Goals
We serve individuals and families in all areas of investment planning, including:
Retirement Planning
Help making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Help managing assets before and during retirement.
Tax Planning Strategies
Developing tax-efficient investment strategies by looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists.
Education Funding
Recommending investment and accumulation strategies to help you pay for your children's education.
Risk Management
Reviewing existing insurance policies, including Life Insurance, Disability Income Protection and Long Term Care Insurance. We can help you explore appropriate coverage for your specific needs.
Investment Planning
Determining your asset-allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach your goals.
Estate Planning Strategies
Working with estate-planning and trust specialists available through Wells Fargo Advisors Financial Network and its affiliates to help review your wills and trusts, preserve your estate for your intended heirs, establish beneficiary designations, and reduce potential exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.
THE ENVISION® PROCESS
While most financial advisors like to talk about the performance of their investments, we prefer to talk about the performance of our investors. The Envision process is designed to align your financial life with your real life, taking into account your unique needs and goals.
We start by exploring vision for your future, prioritizing your goals, and mapping out a financial course to help you achieve them. Together we’ll track your progress and determine where adjustments may need to be made so you can feel confident about arriving at your desired future.
Balancing comprehensive guidance with disciplined review, we strive to simplify our clients’ financial lives with meaningful, personalized wealth management strategies. Additionally, the HNS team supports every step of the way, rolling up our sleeves to help ensure that your financial assets are working hard on your behalf. From annual budgeting to assisting with major purchase decisions, or even navigating complex issues like elder care for a family member, we act as more than an advisor – we’re your advocate.
At APEX Securities, our objective is always to allow you to live the one life you have to live in the best way possible, without undue compromise to your current or future lifestyle, and without taking unnecessary investment risk.
The Envision® process allows you to continually monitor and test your progress throughout your life, always answering that key question: “How am I doing?”
With the Envision® process, our team is ready to bring new clarity to your life goals and enhance your confidence in achieving them.
Unlike investment planning, the Envision® process does not include a detailed analysis of insurance, real estate investment or savings strategies. It also does not cover estate and tax planning.
- “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 of 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.