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As a PNC Wealth Management® client, you benefit from a customized strategy designed with your unique financial goals in mind.
Based on an understanding of your needs developed through a series of personal meetings, we'll devise a strategy that takes all of your concerns into account to help achieve your financial goals.
Your time horizon, return objectives, tax situation and unique personal circumstances all come together in a strategy that's tailored just for you.
Personal Investment Policy
Every client has unique needs, and our relationship is built around understanding yours
When you turn to PNC Wealth Management for advice on managing your wealth and achieving your financial objectives, the first thing we expect to do is get to know you. We listen intently to understand where you are in life, and what priorities may be driving your investment strategy.
Working Together for Your Success
Together, we will help to define your financial goals with precision. Based on an ongoing dialogue, we will help to establish your time horizon, gauge your appetite for risk, determine your liquidity requirements and formulate a return objective that takes the totality of your unique circumstances into account.
A personal investment policy statement may be your roadmap to success.
All of the parameters we've set out, from time horizon to return objective and everything in between, will be consolidated into a comprehensive personal investment policy statement.
This statement will formally document the points that you have agreed on with your advisor, including your asset allocation and investment guidelines. Using the investment policy statement as a key reference, your PNC advisor will monitor your progress and help determine that you're on track to meet your financial goals.
We believe asset allocation, or the process of investing your assets in the optimal mix of major asset classes, including stocks, bonds and cash, can contribute more to long-term investment results than any other strategy.
A well-constructed asset allocation model will distribute your investments among different types of assets to help effectively manage risk and help enhance the predictability of returns.
One of the most important approaches to investing may be diversification across asset classes.
Using a variety of proprietary tools and analytical techniques, we allocate your investments across asset classes based on your unique investment objectives. We call this strategic matching, which means that we establish a match between the asset allocation and your investment goals. Rather than focusing on outperforming a particular stock market index, our efforts are concentrated on helping you achieve your personal investment objectives.
Strategic matching establishes a road map to help you reach your long-term goals, and provides us with a basis for monitoring your progress. More importantly, it can help you move beyond thinking of results only in terms of beating common benchmarks such as the S&P 500®. We help keep you focused on what we believe really matters - achieving your long-term investment objectives.
Economic & Investment Insights
As part of The PNC Financial Services Group, our Wealth Management and Institutional Investment professionals have access to an award-winning economist and a top investment strategist.
We factor their insights and analysis into our clients' portfolios. This section features PNC's economic and investment publications, including commentaries, white papers, survey summaries, and reports.
Important Legal Disclosures and Information
The PNC Financial Services Group, Inc. (“PNC”) uses the marketing name PNC Wealth Management® to provide investment and wealth management, fiduciary services, FDIC-insured banking products and services, and lending of funds through its subsidiary, PNC Bank, National Association (“PNC Bank”), which is a Member FDIC, and to provide specific fiduciary and agency services through its subsidiary, PNC Delaware Trust Company or PNC Ohio Trust Company. Securities products, brokerage services, and managed account advisory services are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member of FINRA and SIPC. Insurance products may be provided through PNC Insurance Services, LLC, a licensed insurance agency affiliate of PNC, or through licensed insurance agencies that are not affiliated with PNC; in either case a licensed insurance affiliate may receive compensation if you choose to purchase insurance through these programs. A decision to purchase insurance will not affect the cost or availability of other products or services from PNC or its affiliates. PNC does not provide legal, tax, or accounting advice unless, with respect to tax advice, PNC Bank has entered into a written tax services agreement. PNC does not provide services in any jurisdiction in which it is not authorized to conduct business. PNC Bank is not registered as a municipal advisor under the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Act”). Investment management and related products and services provided to a “municipal entity” or “obligated person” regarding “proceeds of municipal securities” (as such terms are defined in the Act) will be provided by PNC Capital Advisors, LLC, a wholly-owned subsidiary of PNC Bank and SEC registered investment adviser.
“PNC Wealth Management” and “PNC Wealth Insight” are registered service marks of The PNC Financial Services Group, Inc.
Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we are required by Federal law to ask for your name, street address, date of birth (for natural persons) and other information as required to identify you. This may include a request or requests for confirmatory information such as presentation of your driver’s license and/or other document(s).
Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value.
Insurance: Not FDIC Insured. No Bank or Federal Government Guarantee. Not a Deposit. May Lose Value.
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