Our Process

Investment Consulting Process

Family Financial Management



The goals of our investment consulting process are to create and grow wealth, protect and preserve wealth, plan distributions of wealth during life in the most tax-advantaged way, and plan distribution of wealth after death in the most tax-advantaged way.¹

The Griffin Investment Group of Wachovia Securities offers a fee-based consulting business², positioning clients' investment assets and providing strategies designed to help meet their lifetime investment goals. We accept new clients with a minimum account size of $500,000 by introduction only.

1. Review your current situation and resources

We begin by analyzing your current financial situation to identify your individual priorities and develop a clear picture of your preferred future. Using advanced technology, we address your full situation, including such issues as asset allocation and tax and estate planning strategies.¹

2. Analyze your goals and objectives

Next we achieve a thorough understanding of your investment goals and establish a comfortable risk level for your portfolio by listening carefully to you and consulting with your other professional advisors when appropriate. Through an innovative investment planning process offered exclusively by Wachovia Securities, we can subject your investment plan to a sophisticated stress-testing process. Your plan result allows us to analyze your financial situation and goals and present you with advice and guidance, including investment recommendations as well as the level of confidence that you have in achieving your goals.

3. Develop and conform your strategy

We can consult with you to review the details of your customized financial analysis, confirm our interpretation and explain our recommendations. With your agreement, we will execute the investment recommendations that have been customized to your needs.

4. Proactive Communications

We are committed to communicating with you regularly, answering your financial questions and providing performance reporting and suitable recommendations as appropriate.

5. Monitor your progress

We monitor portfolio performance, checking to ensure that your assets continue to be properly positioned in view of market movements. We periodically review your financial situation and provide reallocation and rebalancing services 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, Selection Criteria and Key Assumptions

Envision’s simulation model incorporates assumptions on inflation, financial market returns and relationships 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 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 enough historical data to gauge asset-class performance, we may use the data of related asset classes.

¹ Wachovia Securities is not a tax or legal advisor. 

² Fee based programs are not designed for excessively traded or inactive accounts and may not be suitable for all investors.