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Wealth Strategy
Helping you meet your financial objectives now and in the future
A sound wealth strategy provides a road map for protecting and preserving your family’s assets, or those of your business.
Our Approach
Our process is based around a consultative team approach.
We undertake a deep discovery process and take the time to understand you, your family, and your unique values, goals, and objectives.
Our Wealth Strategists tailor customized solutions to you where you are in the planning process, ensuring that appropriate solutions are delivered to you at the appropriate time.
The solutions are part of an integrated approach to wealth management, and the outcomes delivered have a broader focus on defining a family's mission, legacy, and values. We act strategically and collaboratively as a cohesive professional advisory team, which would include your tax, legal, and business advisors, to ensure seamless implementation of all aspects of your wealth strategy needs.
Our Solutions
Family Wealth Transfer Planning
Wealth strategy plays an important role in safeguarding your family's wealth, avoiding unnecessary taxes, and ensuring that your legacy will continue. Your PNC Wealth Strategist will work with your attorney, tax advisor or accountant, and PNC Fiduciary Advisor, to design sophisticated, customized plans that can help you achieve a careful balance of control and flexibility, shaping your family's future while responding to its changing needs. We can assist you with:
- Evaluating insurance needs
- Protecting your assets
- Planning for taxes
- Transferring wealth and gifting
- Developing a family or business succession plan
Retirement Planning
One of your primary concerns may be accumulating sufficient assets to live a fulfilling and comfortable retirement. And, planning for the non-financial aspects and unknown contingencies that may arise during retirement is also important. Whether you are near retirement, many years away, or living it now, PNC Private Bank can assess your retirement goals, provide objective guidance, monitor and review your progress, and assist with a variety of retirement-related concerns:
- Retirement income solutions
- Social security planning
- IRA and 401(k) rollovers
- Planning for continued care of elderly or special needs family members
- Retirement plans for business owners
Education Planning
Applying our extensive experience helping families save adequately to meet education costs, your Wealth Strategist will help you estimate your family members' current and future education costs. We will evaluate tax-efficient savings options and suggest planning, trust, investments and insurance strategies to help make education goals a reality.
Risk Management & Insurance
Protecting your wealth is as important as growing it. Appropriate insurance coverage is an integral part of any financial plan. As a risk management option, insurance can replace lost income due to disability or death, provide needed funds for estate taxes or help pay for long-term care, or help ensure continuity of business interests. A comprehensive insurance review can:
- Help determine if your family or your business is appropriately covered
- Identify coverage gaps and recommend new coverage where indicated
- Reveal the need for updated beneficiary selections
- Suggest future funding patterns based on longevity and likely performance
- Modify existing coverage for cost effectiveness and maximum Return on Investment
Featured Insights:
Life is unpredictable. How can you incorporate insurance planning into your overall wealth strategy plan?
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Strategic Philanthropy
Charitable giving is frequently emphasized as a top priority by our clients. Whether you want to support a specific organization or focus on a community need, PNC Wealth Strategists can help you develop philanthropic goals and strategies to help integrate charitable giving into your overall financial plan. Philanthropic strategies include:
- Outright Bequests
- Beneficiary Designations
- Charitable Remainder Trusts
- Private Foundations
- Donor Advised Funds
- Charitable Gift Annuities
Family & Business Continuity and Succession
Business owners often have unique and complex planning needs. Our experienced team will work to understand your personal and business objectives, and help you develop a custom-tailored plan to meet your needs at each stage of your businesses life cycle. We can help you manage your cash flow and banking needs, evaluate relevant estate and income tax planning strategies, reward and retain key employees, plan for retirement, and develop a business succession plan.
Tax Planning
PNC Private Bank℠ has extensive experience advising highly compensated executives on their complex compensation and benefit packages. Based on your unique situation and your personal objectives, our wealth management team in consultation with your attorney and accountant, can advise you on strategies to help you achieve financial success.
- Planning for deferred compensation
- Utilizing executive life insurance plans
- Optimizing stock options
- Developing a tax plan
Planning for the Modern Family
The age-old wealth strategy playbook has been based on the classic assumption that a family is comprised of a husband and wife, the average 2.2 children, and that often-coveted white picket fence. PNC Private Bank understands that today’s modern family takes on various forms. Demographic data suggests that as many as 4 out of 5 families no longer fit the traditional idea of the nuclear family. Each form that a family can take calls for its own unique wealth planning strategies.
