Strategies for Building and Managing Wealth

Once you reach a certain level of financial success, the financial opportunities available to you need more focused attention. Daily decisions can cost you substantial amounts, or generate substantial gains.

In your financial life, there are often many interested parties at the table. It’s essential that you have an advocate delivering sound insights while respecting your position and considering your interests first. Coordinating the ideas and insights of an array of professionals from both inside and outside Wachovia — including your attorney, CPA and other advisors — creates new opportunities for you and your family.

Whatever financial goals you set, Wachovia Wealth Management offers experienced professionals who are committed to integrated planning that takes into account your objectives and risk tolerance. Wachovia Wealth Management offers a complete range of services to meet your needs and help you build strategies to manage your wealth successfully.

Financial Planning
We help you get a complete picture of every facet of your financial life to create a detailed strategy that focuses on achieving your goals. Your plan, its implementation and its evolution will include recommendations on how to:

• Reduce taxes
• Enhance cash flow
• Increase investment returns
• Lower borrowing costs or increase borrowing effectiveness
• Strengthen your retirement plan
• Refine your estate plan
• Protect your assets and family
• Provide for business succession

Investment Management
Sound strategy, disciplined analysis and stringent risk management keep your portfolio moving toward your financial goals. One such offering is Advantage, an approach that brings together extensive investment products with prudent management. We draw upon best-in-class investment managers, disciplined research, market perspectives and objective advice to tailor an investment portfolio unique to your needs.

Estate Planning
We'll help you develop an effective wealth transfer plan and regularly review your estate plan to ensure it continues to meet your changing needs and circumstances. We can help create and update your will, review your estate plan, choose your executor and, if needed, obtain estate settlement services.

Trust and Philanthropic Services
Preserve your legacy by maximizing the value of your estate through objective guidance with personal trust services, charitable services and nonprofit and philanthropic services — backed by nearly two centuries of experience.

Insurance Services
Insurance is an often overlooked, but crucial, dimension of wealth management and plays an important role in estate planning, risk management, tax planning and asset protection. When properly incorporated into your financial planning, insurance can help you:

• Minimize the risk of estate tax
• Achieve charitable goals
• Create an estate
• Protect income and assets from disability and illness

Banking, Asset Mangement and Credit
Our banking services, asset management accounts, custom credit solutions, debt management and mortgage solutions meet your unique banking and credit needs.

Business Services
Protect your goals and future plans with strategic business risk management, estate planning, valuation and continuation plans.

Insurance and annuity products are offered through non-bank insurance agency affiliates of Wachovia Corporation and are underwritten by unaffiliated insurance companies.