You may have implemented an investment plan to increase the value of your assets for today but how will you protect and distribute them tomorrow?

As you 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 increase your asset base, protecting and distributing your assets with maximum tax advantages requires sophisticated planning strategies.

The Fundamentals of Wealth Management

Perhaps the easiest way to think of Wealth Management is as a series of logical financial transitions, including:

• 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 in life and the 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 becomes a key focus as you age.

Four Key Strategies

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 build one 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

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

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, a refined tax management strategy will be 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

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

Seeking Advice

The complexity of managing your total asset base has prompted most affluent investors to seek the advice and expertise of wealth management specialists through their primary Financial Advisor.

How to get started!

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.