The ChFC® professional is prepared with the essentials of financial planning, including insurance, income  taxation, retirement planning, investments, and estate planning, Study areas include behavioral finance, financial  planning for families with special needs dependents, small business planning, financial planning for clients in  diverse communities, financial planning for divorce, and more. 

ChFC® credential holders have an in-depth knowledge in: 

• The financial planning process, including the role and responsibilities of a financial consultant. 

• Risk management strategies, including mitigating the risks associated with insurance, human capital, liability, property, and wealth management. 

• Income tax strategies, including planning for deductions, tax credits, capital gains and losses, taxation of life insurance, annuities, and partnerships, LLCs, corporations, and proprietorships. 

• Retirement planning strategies, including choosing between and working with SEPs, SIMPLEs, IRAs, Roth  IRAs, 403(b), and non-qualified deferred compensation plans. 

• Investment strategies, including issues pertaining to return computations, diversification, securities markets, tax  issues, portfolio management, and ethical practice. 

• Estate and gift-tax planning strategies.

• Specialized strategies, including aiding divorcees and blended families, financial planning for families with  special needs, serving non-traditional families, addressing the unique challenges associated with modern  retirement income portfolios, and applying behavioral finance strategies as a chartered financial consultant.

Fiduciary means we only act in your best interest. We don't earn commissions on investment products or trading. You will always get objective advice from us.

 We are fee-only financial planners which means our compensation comes directly from our clients. Financial plans range from $500 - $1,000, depending upon complexity. Our investment advisory fees are based under Assets Under Management (AUM). See the advisory services FAQ below.

Wealth management fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the wealth management agreement. Wealth management fees are based on the market value of assets under management at the end of each calendar quarter. Wealth management fees are based on the following schedule: 

  Assets Under Management ($)                                     Annual Rate (%) 

• Up to $100,000                                                  1.00% 

• $100,001 - $500,000                                         0.75% 

• $500,001 to $1,000,000                                     0.50% 

• $1,000,001 to $5,000,000                                  0.40% 

• $5,000,001 to $10,000,000                                0.30%

• $10,000,001 to above                                         0.20%

 The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in the accounts managed by Envision will be independently valued by the Custodian. Envision will conduct periodic reviews of the Custodian’s valuations. 

 We are an independent Registered Investment Advisor and have selected Charles Schwab as the custodian for our client’s accounts. We chose Schwab because they offer a digital onboarding process and an experienced, results-oriented customer service team. Another plus is our clients have 24/7 access to their accounts through the Schwab Alliance website and Schwab's mobile app.