Becoming a client: Whether an individual or a business owner, chances are you're friends or family of a client. We are fortunate to have met many of our clients through referrals. Below are milestones to joining Alcaraz Fisher Justis Wealth Management Group as a client.

  • Step 1 Initial “Are We a Fit” Meeting

    An introduction to kick the tires and to have conversation around what you are looking for in an advisor team.

  • Step2 What is Important to You

    Second meeting to refine your goals and to collect financial information that will be used in the ongoing investment planning stages.

  • Step3 Recommendations

    Here we will share our guidance, ask for your feedback and provide a time line for implementation.

  • Step4 Partnering Together

    Just that, we will collaborate on investment options, provide regular reporting and schedule reviews to make certain we are on track to meet your goals.

Planning:

Our team of advisors create an Envision Plan© specific for you. Envision is a comprehensive software tool to illustrate the probability of success in your current and recommended financial strategies. We gather vital information on risk tolerance, we discuss desired income and timing of retirement, (including social security claiming strategies). We discuss funding options for your 401(k), IRAs, brokerage accounts, higher education plans and life insurance policies. We discuss debt management. We map out your goals of travel, weddings, buying a boat or plane, paying off a mortgage, and second homes. We help with common questions… Am I saving enough? Do I pay off the house early? Can I retire early? Can I take less risk? We understand life's plans change and work with you to achieve your goals.

Investment Management:

We have discovered through numerous market cycles and years of collaborating with clients, the overwhelming majority of investors share similar criteria. A desire for simplification of the investment process.

After careful analysis of numerous relationships, we designed models to address the most pressing needs of our clients. These models are not one size fits all and are customized to very specific needs regarding your tolerance for risk, desire for growth and/or income, and tax sensitivity. Together, we will decide the best fit to meet your financial goals.

How you compensate us:

We have adopted the most current fiduciary regulations into our practice and use an asset based fee for the majority of our clients

* Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

*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.