eMoney is a full-service, interactive planning tool that provides comprehensive analyses and client-friendly reports. These analyses include cash flow, Monte Carlo simulations, estate flow, retirement, and insurance planning. It offers an effective, easy-to-understand process designed to help you select and achieve your most important financial goals. Your current financial situation and life goals can be stress-tested using eMoney’s sophisticated statistical modeling.

The team at the Pidgeon Group of Wells Fargo Advisors want you to live your life without undue compromise to your current or future lifestyle, and without taking unnecessary investment risk. eMoney helps align your assets to the jobs you want them to fulfill while tracking progress towards your success, attempting to answer the question: How am I doing?

We want this plan to be a holistic view of your financial situation, so we will ask you for all your financial information including income, assets, debts, and spending goals. Once we have this vital information, then we want to create a plan together that has an overall plan score between 75-90. The score tells you your overall probably of success for the plan and individual goal probability. Using Monte Carlo simulation, this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between. Unlike spreadsheets or static reports, eMoney takes real market behaviors into account—providing a dynamic and realistic view of your financial future. As market volatility occurs and goals change, we may need to adjust the plan to maintain an adequate score. You may need to make small adjustments now, which is far easier than making larger changes later.

As a client of The Pidgeon Group of Wells Fargo Advisors, we can create an eMoney plan as part of our relationship. Reviewing your unique eMoney plan is something you and your advisor will revisit annually, or as needed as various life events occur.


Download Brochure

1. What is eMoney and how does it work?
   • eMoney is an interactive investment planning tool that features goal tracking capabilities
2. Can I link all my accounts to eMoney?
   • Through Account Aggregator, we can link your Wells Fargo accounts and outside investment or bank accounts to create a holistic view of your financial situation.
3. Do I need to be tech-savvy to use eMoney?
   • No, eMoney is user-friendly for all of our clients and the advisors of The Pidgeon Group of Wells Fargo Advisors will help guide prospects and clients through the eMoney process.
4. How often should I update my eMoney plan?
   • eMoney is reviewed during client reviews, and your advisor is available to meet as needed when major updates or life events occur.
5. What makes eMoney different from spreadsheets or other planning tools?
   1. eMoney stands out because it offers dynamic updates, Monte Carlo simulations, and real-time tracking to keep your investment plan accurate and adaptable.
6. Can eMoney help with estate planning and gifting strategies?
   1. Yes. eMoney offers many modeling capabilities for estate tax, tax planning, and charitable giving.
7. Does eMoney include retirement planning?
   • Yes. eMoney includes robust retirement planning tools that allow you to stress-test your retirement goals and income projections one thousand of market scenarios, helping you plan with confidence.
8. What happens if my goals or financial situation change?
   • Advisors can adjust goals to your eMoney plan. We can also create additional plans to understand multiple scenarios side-by-side. If your financial situation changes, then account aggregator will reflect the changes in real-time and we can understand the impact on your score. Together, we can create a new plan that works and make any necessary changes.