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At True North, it’s our mission to guide you through your wealth management journey through a process that will help you safely reach your goals. Your path will not come without twists and turns, but by creating a clear-cut plan, we can navigate the road together.

The Process.png

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  • What’s a PFO? A Personal Financial Organizer (PFO) is a document that we use to record your progress and provide continuity from one year to the next. 
  • Define our relationship and your goals
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  • Entirely based on your current circumstances and the goals you hope to achieve
  • Aiming for optimal outcomes
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  • Using industry-leading Envision® software, “test drive” your plan in different scenarios
  • You know what ideal and non-ideal outcomes look like
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  • Your CPA, attorney, or other advisors
  • Meeting to review recent developments/changes
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  • Your plan remains fluid to accommodate your evolving life
  • Update PFO, as needed

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.

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.