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WEALTH STRATEGY


HELPING YOU MEET YOUR FINANCIAL OBJECTIVES NOW AND IN THE FUTURE.


OUR APPROACH

A sound wealth strategy provides a road map for protecting and preserving your
family’s assets, or those of your business. 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 Insight

LIFE INSURANCE WEARS MANY HATS

Life insurance can play a versatile role in your overall wealth strategy. Life
is unpredictable. How can you incorporate insurance planning into your overall
wealth strategy plan?

Read Article

--------------------------------------------------------------------------------

View More Articles on Risk Management & Insurance

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.


ACTIONABLE INSIGHTS TO HELP YOU ACHIEVE MORE

Insights and ideas that are part of our commitment to help you make smart
decisions today that will lead to a better legacy for you and your family.

Financial Markets

WEEKLY MARKET WATCH

PNC’s Weekly Market Watch provides a recap of the previous week’s economic and
market activity and is designed to give PNC’s perspective on happenings in both
US and international markets.

1 min read

Markets & Economy

HOW TO UTILIZE LOW INTEREST RATES TO TRANSFER WEALTH

Learn how certain wealth transfer strategies utilize lower interest rates to
tax-efficiently transfer wealth.

5 min read

Markets & Economy

HELPING A CHILD PURCHASE A HOME

When assisting a child with the purchase of a home, you should consider your
unique financial circumstances and determine a strategy that works best for you

10 min read

View More Insights


CONTACT US

Interested in becoming a PNC Private Bank client? If you have $1 million or more
in investable assets and would like to work with a PNC Private Bank professional
to achieve a unique purpose for your wealth, simply fill out and submit our
form. We’ll then contact you to schedule an appointment and learn more about
your financial goals.

Are you a PNC Bank customer looking for help with an existing product or
service?

Visit Our Customer Service Center




RELATED RESOURCES

SOLUTIONS

CREDIT & CASH MANAGEMENT SOLUTIONS

We understand the unique financial challenges faced by families of wealth - from
managing assets to growing and preserving wealth for generations to come.
Discover how a dedicated Banking Advisor can help you achieve your financial
goals.

Learn More About Credit & Cash Management Solutions

OFFERING

RESPONSIBLE INVESTING

When individuals, families or institutions express a desire to align their
investments, values and goals, we carefully construct a portfolio that is
designed to achieve their designated objectives while also respecting their
principles.

Learn More About Responsible Investing

SOLUTIONS

PRIVATE BANKING CASH MANAGEMENT SOLUTIONS

PNC Private Bank understands the unique challenges faced by families of wealth –
that’s why we employ a personalized approach to helping you identify banking
solutions to address all your liquidity and borrowing needs.

Learn More About Private Banking Cash Management Solutions
IMPORTANT LEGAL DISCLOSURES & INFORMATION

Important Information: At PNC we are committed to keeping you informed about any
changes regarding our fiduciary status under ERISA and the Internal Revenue
Code, as applicable, with respect to certain services we provide to IRA
accounts. Learn More »

 

The material presented herein is of a general nature and does not constitute the
provision by PNC of investment, legal, tax, or accounting advice to any person,
or a recommendation to buy or sell any security or adopt any investment
strategy. Opinions expressed herein are subject to change without notice. The
information was obtained from sources deemed reliable. Such information is not
guaranteed as to its accuracy. You should seek the advice of an investment
professional to tailor a financial plan to your particular needs. For more
information, please contact PNC at 1-888-762-6226.

The PNC Financial Services Group, Inc. (“PNC”) uses the marketing names PNC
Private BankSM, PNC Private Bank Hawthorn®, and Hawthorn Institute for Family
Success® to provide investment consulting and wealth management, fiduciary
services, FDIC-insured banking products and services, and lending of funds to
individual clients through PNC Bank, National Association (“PNC Bank”), which is
a Member FDIC, and to provide specific fiduciary and agency services through PNC
Delaware Trust Company or PNC Ohio Trust Company. 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 Bank is not registered as a
municipal advisor under the Dodd-Frank Wall Street Reform and Consumer
Protection Act.

“PNC Private Bank Hawthorn,” and “Hawthorn Institute for Family Success,” are
registered marks, and “PNC Private Bank” is a service mark, of The PNC Financial
Services Group, Inc.

Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value.

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