Working With Envision

FINANCIAL PLANNING | RETIREMENT | INVESTMENTS | TAX PLANNING | LIFE EVENTS | RISK MANAGEMENT | ESTATE PLANNING

Financial Planning

Financial planning is the road map to the future you Envision! We start by answering three basic questions:

Becoming Work Optional

The most successful retirees have one thing in common. They retired TO something, not FROM something. The financial planners at Envision have worked with many individuals and couples to help plan the cash flow needs of their post work lives. Planning for a successful retirement involves more than money.

Investment Management

Our investment process starts with an Investment Policy Statement or guidelines for making investment decisions. We can’t control the markets, but we can control the amount of risk we are taking.

Tax Planning

Tax planning involves actively considering the impact on your overall tax liability of investment and spending decisions. Particularly for retirees, paying less in income taxes leaves more for vacations, hobbies and grandkids.

Life Event Planning

By anticipating the impact of significant events on your life, as well as on the stages of your overall investment plan, you can properly prepare for challenges and opportunities as they arise.

Risk Management

Risk management is intended to minimize financial and other losses that are potentially associated with risks to your assets, business or health. At Envision we walk you through ways to keep yourself protected from life’s risks.

Estate Planning

When most people think of Estate Planning, they almost immediately think of their Last Will and Testament. And yes, while a Will can be a key part of your estate plan, it’s only one piece.

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The answers to these questions look different for everyone. By following our in-depth process, we break down and identify what kind of financial plan fits YOU best. We also know your plan needs to grow and change as your life and circumstances change. By monitoring developments and remaining diligent and flexible, we will help make sure your plan follows you wherever you go.

Becoming work optional is more than just being ready to retire. There are many issues to address such as differing tax rules based on age, your living arrangements, healthcare concerns, cash flow requirements and new or differing living expenses. In addition to the financial side, it is equally important to have a plan for how you will spend your days. At Envision, we will help you dive into your passions and hobbies to keep you both mentally and physically engaged.

Markets do what markets will do, and we believe in using them to leverage efficiency in your investment strategy. Envision takes a deep dive into your investment portfolio each quarter. The goal is to help control risk, portfolio expenses, and minimize the tax impact on your investments. Sometimes this means staying where you are, other times it means potential has been realized and it’s time to move to another segment. Whatever your portfolio may bring, at Envision, we guide you through each step towards maximizing your return on investment.

At Envision we take a proactive approach to tax planning and carefully consider how different holdings are taxed (capital gains or ordinary income) or not taxed (looking at your Roth IRA’s). We use this in-depth knowledge to coordinate withdrawals in order to minimize your tax liability as well as help you evaluate which tax bracket best serves you now and in future years.

Life changes can be both exciting and terrifying. Whether you are growing your family, branching out on your own, or simply entering a new season; changes in your finances are always part of the journey. At Envision, it is important for us to walk with you through these stages and be your trusted guide on how best to approach and plan what comes next.

While mitigating risk is an essential part of all aspects of financial planning, it is important to individually identify and take control of all areas of vulnerability. At Envision, we help identify your sources of risk whether it comes from building your wealth, owning a business, or simply your genetics and lifestyle choices. From there we help you decide where insurance makes sense, where to reduce your exposure, and when to set aside additional cash reserves.

The first step in Estate Planning is understanding how assets will pass upon your death. It is hardly as simple as splitting everything evenly and calling it a day. At Envision, we aim to help you gain a full understanding of everything you need to help prepare your loved ones to receive responsibility for your affairs and assets. Whether it’s trusting them with decisions while you are still living, or setting them up for success after you have passed, we will make sure you have the peace of mind you need to enjoy the time you have.

We will:
Our approach is to discover a client’s goals, determine the personal financial plan that is needed, and aid the client in reaching those goals. Our success is measured by how well our clients achieve their goals.
Hank has had a distinguished career in the financial services industry, including more than 40 years in the financial planning and securities fields. From 1985 to 2013, Hank provided fee-only financial planning services through his firm, Lifetime Planning, Inc. Hank merged his practice with Stacey’s in 2014. In addition, Hank is a member of both the local and the national chapters of the Financial Planning Association (FPA).
Hank received his bachelor’s degree in business administration from the University of Mississippi, where he also lettered in football. He received his initial securities training at Merrill Lynch. He was a financial planning consultant for the Memphis office of Ernst & Young and financial planner at Morgan Keegan & Company, Inc. from 1982 through 1984. In April 1984, Hank completed his CERTIFIED FINANCIAL PLANNER™ professional requirements with the College for Financial Planning in Denver, Colorado.
In addition to his financial planning practice, Hank has enjoyed serving on the boards of Presbyterian Day School, Second Presbyterian Church, University of Mississippi, and the Christian Community Foundation. Hank served as the chief financial officer of the Christian Community Foundation from its inception in October 1998 until October 2000. Hank enjoys reading, hunting, and attending baseball and college football games.
Clay serves Envision Financial Planning’s clients as the investment officer and portfolio manager. His duties include overseeing the firm’s investment process and money management strategies with a strong focus on “goals-based” investment planning.
As a firm, we believe in concentrating on things we can control such as:
Clay is a native Memphian and a graduate of the University of Mississippi. He began his career working for a regional broker/dealer specializing in fixed-income securities, and prior to joining Envision, Clay was an investment research analyst and portfolio manager for a private wealth management firm in Memphis. Clay currently holds his FINRA Series 66 securities registration and obtained his CERTIFIED FINANCIAL PLANNER™ designation in 2021.
In his free time, Clay enjoys playing golf, exercising, reading, and cooking with friends and family. He and his wife, Margot, have two boys named Callan and Wiley.