The Somerville Investments approach to Financial Planning

Because of a combined half-century of investment and planning experience, we are well qualified to help guide you through the process of identifying your financial goals and helping you select the ideal investment mix to reach them. We also help clients identify and address challenges and opportunities in the areas of estate planning, taxation, and insurance. We work with and, when appropriate, make referrals to, professionals in each of these areas. Somerville Investments uses the Envision® process (proprietary to Wells Fargo) to help clients achieve their goals.

The Envision® Process: An overview

Because life and the markets change over time, you need an investment plan that helps you know where you stand now, tomorrow, and in the years to come. The Envision® process can help guide an investment approach that will help you work toward achieving what matters most to you.

Because Gregg is a Certified Financial Planner and Sean is a former award-winning journalist, we have decades of experience asking the right questions and getting complete answers. We use sophisticated planning tools and a network of knowledgeable professionals to help families plan for their future.

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.

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Frequently Asked Questions & Answers

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 in 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 © 2007-2018 Wealthcare Capital Management LLC. All Rights Reserved. Wealthcare Capital Management LLC is a separate entity and not directly affiliated with Somerville Investments

Securities offered through IFP Securities, LLC, dba Independent Financial Partners (IFP), member FINRA/SIPC. Investment advice offered
through IFP Advisors, LLC, dba Independent Financial Partners (IFP), a Registered Investment Advisor. IFP and Somerville Investments are not affiliated.
Registration does not imply that the Firm is recommended or approved by the United States government or any regulatory agency. Registration
with the United States Securities and Exchange Commission or any state securities authority does not imply any level of skill or training.
IFP may only transact business or render personalized investment advice in those states and international jurisdictions where it is registered,
has notice filed, or is otherwise excluded or exempted from registration requirements. The purpose of this website is for information
distribution only and should not be construed as an offer to buy or sell securities or to offer investment advice. Past results are no guarantee of
future results and no representation is made that a client will or is likely to achieve results that are similar to those described. An investor should
consider his or her investment objectives, risks, charges and expenses carefully before investing. Please refer to IFP Advisors LLC ADV Part 2
for additional information and risks.