Financial Solutions
What Distinguishes US?
It is our unprecedented level of personalized service and our team's deeply rich and diverse expertise.
Our services are designed to increase and protect your wealth by delivering the potential of superior returns and securing your family's financial future.
With Fee Based Accounts We Liberate You from Commissions
Investment Management
Sound strategy, disciplined analysis, and stringent risk management keep your portfolio moving toward your financial goal. We follow a well-defined, time-proven process to increase the probability that your will meet your financial objectives.
Your portfolio strategy begins with a personalized investment analysis, then graduates through the portfolio construction process, in which multiple assest classes, multiple style allocations and multiple specialist money managers are combined to meet your investment objectives.
The result is a well-tuned, five-step asset management process designed to respond to your individual needs while also responding to the dynamics of the capital markets.
Bank & Lending Services
By taking advantage of our relationship and Wachovia Bank, N.A., we can assist you with virtually all your borrowing needs. Working with dedicated lenders, who provide a variety of loan options that can support your long-term goals.
Using a consultative approach, they can compare solutions to fit your tax situation, wealth-creation strategy, and time frame. Working in partnership with dedicated lenders, we can coordinate mortgage loans, including construction-permanent financing, personal loans, home-equity lines, and commercial mortgages for income-producing properties.
Wachovia offers asset-secured loans that can provide more leverage than margin loans while offering extremely competitive fixed and adjustable rates.
Using debt wisely can help you create wealth. Refinancing high-interest debt can reduce monthly payments, freeing up cash to invest. Borrowing against your securities while staying invested allows you to sell stocks according to your investment plan rather than your liquidity needs, and avoid potential negative tax consequences.
If you would like to review whether refinancing your existing debt could save you money, or are in the market for any kind of loan, contact talk to us.
Lending services provided by bank and non bank subsidiaries of Wachovia Bank, N.A. and other select lending partners. All loans are subject to credit approval.
Wachovia Bank, N.A. is an Equal Housing Lender.
Risk Management- Insurance Services
Leveraging the power of Insurance to help safeguard financial security for you, you’re family and your business concerns in a variety of important ways.
We provide a complete array of insurance services designed to achieve such financial goals as survivor needs, wealth transfer, business succession, long-term care, and retirement and estate planning.
As a national brokerage general agency Legacy Quest Advisors is the helps select the best insurance programs from some of the foremost insurance companies in the nation, companies like AIG, AVIVA, , ING, Lincoln National , MetLife, Security Mutual, and West Coast Life to name a few. Legacy Quest Advisors’ comprehensive approach includes nearly every aspect of personal and business risk management.
*Legacy Quest Advisors may be licensed in some states as Terry D. Bahgat or Rosemary K. Bahgat. All variable and indexed products are offered through Summit Brokerage Services Inc. Member FINRA, SIPC
Estate Planning & Trust Services
We develop an effective wealth transfer plan and regularly review your estate plan to ensure it continues to meet your changing needs and cir cumstances.
Preserving assets takes on more importance when you think of your loved ones. Once you have built substantial assets for your family, careful use of an estate plan and a personal trust can ensure that they benefit from your hard work.
Estate taxes can be as high as 50%, and can go higher in some cases, making the US Treasury your biggest beneficiary if you do no estate planning. A trust can also ensure that you, not the prevailing law in your state, decide who benefits from your assets. Estate planning and a trust can also help ease the burden on your family if you become disabled and unable to manage your own affairs.
How do you protect your family and your assets? A personal trust is often the most economical and efficient way. A trust can be used to reduce the estate-tax burden by removing assets from an estate. In addition, it provides the ability to direct assets to the beneficiaries of your choice, even after death or disability, through the instructions included in the trust documents. A trust can also help pass on illiquid assets that would otherwise have to be sold to pay the estate taxes.
Another important reason to have a trust is to avoid the costs and delays of probate, which are not necessarily avoided through a will. Probate can often, depending on state law, cost up to 6% of the estate and take up to two years to complete, tying up family assets when they may be most needed.
You may want to consider a trust if any of these circumstances apply to you:
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You have children from a previous marriage
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You want to protect your assets and the privacey of your holdings
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The delay of probate will make it financially difficult for your family
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Your will could be contested by relatives or a former spouse
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You want help managing your affairs if you need it, but do not have someone who could step in
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You have dependents who will need care beyond your lifetime, like a disabled child
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Your heirs may not agree on the disposition of your assets
The trustee is the most important choice you can make when setting up your trust. A trustee has significant duties and there are many reasons to select a corporate trustee, like Wachovia. Among the most important is that a corporate trustee won't retire, move away, go on vacation, or succumb to the emotional appeal of a beneficiary, as an individual might. This is important when a trust can last for decades. Another benefit of a corporate trustee is that it can objectively balance the needs of multiple beneficiaries, which may be very different.
We provide access to one of the finest personal trust companies in the country. In this way, you can continue to rely on us as you always have for help in selecting and setting up a trust, and can also feel comfortable that we will stay involved in your trust.
Trust Services offered through Wachovia Bank, a national banking association (chartered by the Office of the Comptroller of Currency) and wholly owned subsidiary of Wachovia Corporation.
Fee Based Accounts
By using Consulting Services Group's (CSG) fee-based products, you now have access to cutting-edge asset-allocation (1) strategies and technologies designed to help optimize your portfolios.
We offer ten types of accounts in which an annual fee replaces commissions on transactions.
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 Asset Advisor — is a fee-based investment advisory program in which you pay one asset-based fee that covers advisory services and all eligible transaction/custodial costs.* While you have final authority over all investment decisions, your Financial Advisor is there along the way to provide objective guidance and unbiased advice. In Asset Advisor, you will have the ability to hold equities, fixed income and over 3,600 no-load and load-waived mutual funds all within a single account. With as little as $50,000, you will have access to a full-service investment advisory program that is custom-built based on your long term goals and dreams. View Brochure
 FundSource — is our mutual fund wrap-fee program, which is based on a process using diversification and asset allocation. You may choose to allow the CSG Research department to have discretion over your portfolio, or you may choose to construct your own customized portfolio using over 3000 no-load and load-waived mutual funds. The program includes ongoing monitoring of each recommended mutual fund by the CSG research team and quarterly performance reports. The minimum account size is $25,000. Mutual funds are sold by prospectus. For more complete information, including fees and expenses, please contact your financial advisor for a prospectus. Please read it carefully before investing or sending money. View Brochure
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 Compass Advisory — is designed to combine the advantages of a professionally-managed, separate account portfolio with a low account minimum. Managed by Wachovia Securities' Advisory Services Group, Compass is ideal for those who wish to have a portfolio of individual stocks and bonds, but want to leave the decision making to a professional. View Brochure
 Masters — allows you and your Financial Advisor to objectively choose an outside professional investment manager from a select list of firms nationwide — a manager with a proven ability to manage money the way you want it managed. While many of these managers ordinarily require a minimum investment of $1 million or more, Wachovia Securities’ Masters program has a minimum account size of only $100,000. A Masters Program portfolio is a professionally managed, separate account (holdings can include individual stocks and fixed income) for which you pay an all-inclusive fee that covers a package of services: management fees, transaction charges and consulting services. Your Financial Advisor monitors the manager’s performance and provides you with a detailed analysis four times a year. View Brochure
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A copy of our Investment Advisor's ADV Part II or Disclosure Document is available upon request.
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(1) Asset Allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
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