Investment Consulting
• Existing portfolio analysis
• Review and assess investment objectives and risk tolerance
• Develop asset-allocation strategy to achieve objectives
• Design and construct portfolios
• Search and select independent money managers or mutual
funds
• Monitor and report portfolio activity
• Quarterly performance reports
• Regular performance reviews
Investment Management
• Fixed-income portfolios--Taxable and Tax-Exempt (US
government agency, corporate, and municipal bonds)
• Equity portfolios for long-term growth
Cash Management
• Money-market funds with checkwriting
• CAP Account
• Access Online
• Visa debit and credit cards
• FDIC-insured CDs¹
• Margin accounts
Financial Planning
• Net-worth analysis
• Income-tax and cash-flow analysis
• Retirement planning (IRAs, IRA rollovers, and
SEPs)
• Analysis of pension, profit-sharing, and annuities
distributions
• Education planning
• Financial-plan updates
. Treasury bills
Wealth Preservation
• Review trusts, wills, and insurance needs
• Valuation and disposition of estate assets
• Existing insurance policy analysis
• Referrals to qualified insurance, tax, and legal
specialists
• Execution of strategies in concert with your tax
and legal advisors
Trust Services²
• Sophisticated trust services available from affiliates
of Wachovia Corporation, the nation’s fourth-largest
bank-holding company
• Living trusts
• Testamentary trusts
• Life-insurance trusts
• Charitable remainder trusts
Lending Services³
• Mortgages/home-equity lines and loans
• Personal credit needs
• Creative financing solutions for small businesses
• Professional practice lending
• Commercial real-estate lending
Investment Strategies to help Reduce Potential Taxes
(4)
• Tax-loss selling
• Bond swaps
• Tax-efficient portfolios
Retirement Plan Services
• Pension, profit-sharing, and non-qualified plans
• Evaluation and amendment of existing plans
• Investment policy statement
• Investment consulting services
• Investment management
Corporate Equity Services
• Cashless stock option exercise and/or sales
• Restricted securities transactions: Rule 144 sales
1. CDs are FDIC insured
up to $100,000 per institution. A minimum deposit of
($100,000) is required . Generally, CDs may not
be withdrawn prior to maturity.
2. Trust services are offered through
Wachovia Bank, National Association, a national banking
association (chartered by the Office of the Comptroller
of the Currency) and a wholly owned subsidiary of Wachovia
Corporation.
3. Lending services are available through
bank and non-banking subsidiaries of Wachovia Corporation,
including, but not limited to Wachovia Bank, National
Association and Wachovia Bank of Delaware, National
Association. All loans are subject to credit approval.
Wachovia Bank and Wachovia Bank of Delaware are equal
housing and opportunity lenders.
4. Wachovia Securities does not render
legal, accounting, or tax advice. Please consult
your tax or legal advisors before taking action that
may have tax consequences.
Investments in securities and insurance
products are NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY
LOSE VALUE.
