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We recognize you may not have had time to address your tax and financial planning goals as early as you would have liked. The good news is, it’s not too late to take action.
You have worked hard to be prosperous. Like many affluent families, preserving and growing your family wealth and legacy across generations is important to you. Learn best practices to help identify what you seek to achieve with your wealth; educational approaches to engage and prepare the next generation; and trust and estate planning strategies that will help bring your goals to fruition.
What Your Estate and Trust Plans Say About Your Legacy
Trust and estate plans help influence behavior and perpetuate your legacy. We believe conversations about family beliefs, values, and relationships will help your plans capture your goals.
Artwork and Your Legacy:
4 Planning Options
Art collections often represent an important part of a family’s legacy, making their stewardship fraught with emotional and financial considerations. We explore options for passing them on.
Using Trusts to Help and Protect
You and Your Family
Effective estate planning recognizes risks that threaten you and your family’s wealth. We review 10 ways a good trust and estate plan can help you navigate life’s challenges.
Business-owning families are often balancing the separate and intersecting needs of their businesses and family. Find solutions related to the unique financial and family opportunities as well as challenges you may face. Explore key components of business succession strategies; integrating the next generation and managing liquid wealth.
5 Questions to Ask Before the Sale
of Your Business
A business owner may feel both excitement and concern at the prospect of selling a business. We offer five questions to consider as a liquidity event approaches.
Lowering the Hurdles to a Successful Family Business Transfer
Transitioning a family-owned business to the next generation presents a number of unique financial and family dynamic hurdles. Explore ways to address some common challenges.
Transferring the Seven Principles of a Successful Family Business
The family business can be a central part of a family’s identity, particularly those involved in its day-to-day activities. But what happens to the family when the family business is sold?
Your ability to have an enjoyable lifestyle in retirement increasingly rests on maximizing your retirement plan options. Learn ways to help increase your ability to save. Explore strategies to pass on your retirement assets to heirs or charitable organizations. Review different retirement plan options.
Strategies for Reaching Your
Learn ways to increase contributions to your retirement plans and maximize strategies to help you have the security you seek and reach your retirement goals.
Roth, Traditional, or Both:
Considerations to Weigh
Find out the main differences between Roth and traditional retirement plans. Review key considerations for choosing a plan type so you can make the most appropriate decision for you.
Planning for the Future with HSAs
Health Savings Accounts (HSAs) can provide a unique means to fund medical expenses in retirement, providing tax benefits not available with any other account.
One great benefit of wealth can be the ability to affect change and support the causes that are important to you and your family. Discover how to translate your passion(s) into action. Learn how charitable gifting strategies can create a lasting bond between family members of all generations. Understand the different ways to give and how to make your gifts most effective.
Managing Your Foundation as a Business
Good governance is essential if your foundation is to effectively fulfill its mission while adhering to complex regulatory requirements. Learn some best practices.
Using Responsible Investing
Responsible investing (RI) can be used to start conversations on values and to teach basic investment know-how, helping prepare heirs for their inheritance.
Sharing Values through Philanthropy
Philanthropy can be used as an excellent discussion-starter for family conversations around what can be the difficult topic of values and money.
Risk can take many forms. Preparing for the unexpected is central to preserving and successfully transferring wealth – whether you are seeking to garner the necessary funding for your wealth plans or protecting against cybercrime or unexpected health issues. Gain knowledge of potential challenges, and strategies to help you successfully navigate them.
Changes in Family/Business Dynamics Help Drive Need For Policy Reviews
Changes to the dynamics and goals of your family, your business, and your estate may impact what is required of your life insurance. These changes may trigger a need to review your policies.
Implementing a Successful Buy-Sell Funding Strategy
After carefully setting the terms of your buy-sell agreement, it is equally important to align your funding strategy to the plan so those terms can be carried out.
Keeping Fit: A Financial Wellness Checklist
Many details in your financial plan may become obsolete, forgotten, or ignored. That’s why it’s important to review your plans so they reflect your current status and wishes.
Individuals and families of wealth have unique needs based on their family situations, professional responsibilities and personal goals, but they typically share one core objective – the desire to make successful financial decisions so that, over time, they will achieve their goals.
We created the PNC Center for Financial Insight (the PNC Center) to help you achieve your success. The PNC Center is dedicated to delivering timely and relevant thought leadership in an easy-to-understand manner so you can make informed decisions with confidence. Content is developed with a particular lens towards the specific needs of our PNC Wealth Management® and Hawthorn, PNC Family Wealth clients.
Our purpose is to develop actionable strategies, insights and practical assistance for you and your family. By building the bridge between thought and action, a library of resources has been developed covering a full range of wealth management topics.
These materials are meant to help you identify the key questions to ask of yourself, your family and your advisors so you feel comfortable with and understand the financial decisions you’re making. They are also intended to create an enhanced dialogue that will help us better understand your needs so we can serve you on a deeper level and provide you customized solutions.
Our team of Senior Residents are explicitly dedicated to the PNC Center and are responsible for studying emerging themes, evaluating changes in trust and tax laws, and developing applicable strategies that benefit you. Learn more about the depth of experience and specialized knowledge they bring to you, your family and your PNC Advisors.
Mindy F. Rosenthal is a Senior Vice President of the PNC Financial Services Group and the National Managing Director of the PNC Center for Financial Insight.
Rosenthal is responsible for building and running the Center, which develops educational content on a full range of wealth management topics for individuals and families of wealth and centers of influence. She additionally spearheads and oversees the creation of internal training sessions affiliated with the content.
With 20 years of experience, she specializes in the governance and wealth management needs of ultra-high-net-worth families. Before joining PNC, Rosenthal served as president of the Institute for Private Investors and prior to that she built and ran Campden Wealth’s North American division.
Rosenthal has appeared on CNBC and been quoted in a number of news outlets including The Wall Street Journal, the Financial Times, the New York Times and Barron’s. She is the author of multiple pieces of research and two books. In addition, Rosenthal is a frequent presenter at industry conferences and events.
Richard “Rick” Cairns is a Senior Vice President of the PNC Financial Services Group and a Senior Resident of the PNC Center for Financial Insight.
Cairns, who specializes in advising clients on trust administration issues and how to utilize special purpose trusts, joined PNC in 1995. Most recently he established and led PNC Delaware Trust Company. Before PNC he worked for over 17 years with other trust organizations in Delaware. He has been advising clients on setting up and managing trusts for over thirty-eight years.
David Foster is a Vice President of the PNC Financial Services Group and a Senior Resident of the PNC Center for Financial Insight.
Foster specializes in advising clients on insurance, strategic philanthropy, family wealth transfer and business succession. He has over 20 years of experience in the insurance and financial services industry and has served as a planned giving consultant for multiple charitable organizations.
In addition, Foster is the author of Wealth Utilization and the Butterfly Effect – Maximizing the Positive Impact of Wealth.
Anne B. Hennessy is a Vice President of the PNC Financial Services Group and a Senior Resident of the PNC Center for Financial Insight.
Hennessy specializes in advising clients on strategic philanthropy and providing tailored insights on philanthropic, grant making, foundation management and fiduciary governance issues. She has over 20 years of experience in the foundation management and financial services industry serving high-net-worth individuals, corporations, foundations and endowments.
In addition, Hennessy is a Chartered Advisor in Philanthropy® and serves as a member of multiple philanthropic associations, networks and councils in the New York and New Jersey area.
Fill out this simple form to request an appointment with a PNC Advisor.
The PNC Financial Services Group, Inc. (“PNC”) uses the marketing name PNC Center for Financial InsightSM to provide wealth planning education to individual clients through its subsidiary, PNC Bank, National Association (“PNC Bank”), which is a Member FDIC. 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 Center for Financial Insight” is a service mark of The PNC Financial Services Group, Inc.
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.