| Wealth Management |
| You may have implemented an investment plan to grow your assets today. But how will you protect and distribute them tomorrow? |
| As you continue to build your personal net worth, the financial issues and challenges you face become increasingly complex. While you probably have a long—term investment plan in place to grow your asset base, protecting and distributing your assets with maximum tax advantages requires sophisticated planning strategies. |
| Wealth Management is the integration of these asset, debt, tax, and risk management
strategies into one seamless financial solution. This solution typically encompasses critical planning issues including: asset allocation, estate and trust planning, retirement planning, business succession planning, employee stock options, and concentrated equity strategies.
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The Fundamentals of Wealth Management
Four Key Strategies
Seeking Advice
How to get started!
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 The Fundamentals of Wealth Management |
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Perhaps the easiest way to think of Wealth Management is as a series of logical financial transitions.
The accumulation of wealth
The protection of wealth
The tax-advantaged distribution of wealth during life
The tax-advantaged distribution of wealth at death
These transitions generally depend upon your stage of life and personal goals for the transfer of your assets. While investment strategies to build your wealth may continue throughout your lifetime, the protection and tax—advantaged distribution of your wealth generally become a key focus as you grow older. |
| Four Key Strategies |
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| Is your investment portfolio going to deliver the long-term results you need to achieve your financial goals? |
Asset Management strategies ensure that your investment portfolio remains closely aligned with your overall financial goals as you continue to build your asset base. Your Wealth Management Advisor can provide expertise in many critical investment areas including:
Investment management services
Assistance with developing a family-based investment policy
The selection and performance analysis on outside money managers
Asset allocation and diversification strategies
Real estate investment advisory services
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| Do you have a structured payment strategy in place for your current liabilities? |
Debt Management strategies help you effectively manage your liabilities in relation to your assets. Your Wealth Management Advisor can provide a professional source of legal and personal banking services including:
Custodial and bookkeeping services
Fiduciary services
Trust administration services to individuals, law firms, and other professionals
Private Banking and Lending
Commercial Mortgages
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| Are you paying higher taxes on your wealth than necessary? |
Tax Management strategies help you maximize and protect the value of your assets by minimizing your tax burden. As your net worth increases, sophisticated tax management strategies are an integral part of enhancing your asset base and distributing these assets according to your wishes. Your Wealth Management Advisor can help you incorporate these strategies into many broad financial planning areas including:
Estate and tax planning
Retirement planning
Intergenerational wealth transfer planning
Philanthropic planning
Assistance with business succession planning
Trust services
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| Do you have sufficient insurance coverage for yourself and your family in case of an emergency? |
Risk Management strategies ensure that you and your family have adequate protection against the risks that could diminish your asset base. Your Wealth Management Advisor can help you analyze and implement a comprehensive insurance program that meets your specific needs including:
Development of a "family constitution" or other governance plan
Asset Protection
Property and Casualty Insurance
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| Seeking Advice |
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| The complexity of managing their total asset base has prompted most affluent investors to seek the advice and expertise of wealth management specialists through their primary Financial Advisor. Most full-service financial firms now have a dedicated team of these specialists including tax attorneys and certified financial planners that provide exclusive services to their high net worth clients. |
| How to get started! |
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| If you are ready to develop a seamless financial plan for managing, protecting and distributing your assets, speak with your Financial Advisor about the availability of professional wealth management services. By working with tax and financial planning specialists through your Financial Advisor, you will clarify your total financial picture, leverage your assets more efficiently, and achieve maximum tax advantages for you and your family. |
Wealth Management