A comprehensive financial picture starts with solid, well-considered planning, and that's just what you get with Regions International Private Banking. The process is designed around you – it isn’t an "off the shelf" plan. Our approach is characterized by thoughtful discussion with you and objective analysis of your needs, culminating in a customized plan.
Your financial needs and goals are unique — we understand that. So we listen, ask questions and offer a customized plan to meet your specific banking, investment and financial service needs. As your needs change and evolve, so does our plan. Your International Private Banker will conduct a Regions Wealth AssessmentSM, an innovative model for asset allocation, which helps you meet those needs.
Contact a Banker to Get Started
Regions Wealth Assessment — Three Dimensions of Risk
Our Risk Allocation Model is based on the Wealth Allocation Framework, designed by Dr. Ashvin Chhabra. It is designed to help you look beyond the traditional portfolio model to take into account factors such as liquidity in economic downturns or the role of concentrated assets in building significant wealth. Consequently, our goals help you manage three specific areas of risk:
- Personal/Protective Risk – Protection of your most basic needs
- Market Risk – Maintaining your current financial standing
- Aspirational Risk – The possibility of substantially moving upward in the wealth spectrum
This chart is reprinted with permission from Institutional Investor, Inc. It originally appeared in the spring 2005 issue of The Journal of Wealth Management. Unauthorized copies are prohibited. For more information please visit www.iijournals.com. All Rights Reserved.
Protective Assets
The foundation of your portfolio includes banking services that optimize your returns and cash flow while working with your investments and broader financial plan. That is why our International Private Banking offers you premium solutions such as cash management, secured credit and insurance products to protect your assets and maintain your basic standard of living.
-Includes: Cash Management, Credit Solutions and Insurance Services
Market Assets
In order to grow your wealth and maintain your lifestyle, you need to consider taking on market risk. Through Regions Morgan Keegan Trust and Asset Management you gain access to sophisticated wealth management services. Regions Morgan Keegan Trust's professional advisors work closely with you to construct the best estate, charitable, retirement, financial and investment solutions. You can rely on our experience and resources to preserve your wealth for your family's inheritance, fulfill your charitable giving and manage assets such as natural resources, real estate and closely held businesses.
-Includes: Regions Morgan Keegan Trust, Morgan Asset Management, Morgan Keegan
Aspirational Assets
To enhance your lifestyle and potential wealth mobility, you must take on aspirational risk. Aspirational risk occurs when clients have portfolio exposure in concentrated stock positions, investment real estate or business ownership that allows them leverage to earn higher than expected returns.
-Includes: Business Ownership, Real Estate, Concentrated Stock Position
For more details on the Wealth Allocation Framework, see Ashvin B. Chhabra's "Beyond Markowitz: A Comprehensive Wealth Allocation Framework for Individual Investors."
Your Regions International Private Banker can work with you to bring a custom team of experts together to maximize the return of your portfolio. To learn more about putting a Regions International Private Banker to work for you, please call 305-774-5050.
Morgan Keegan and Company, Inc. is a subsidiary of Regions Financial Corporation and a member of the Financial Industry Regulatory Authority (FINRA) and Securities Investor Protection Corporation (SIPC). Investments offered through Morgan Keegan are not a deposit, are not guaranteed or endorsed by Regions Bank, or its affiliates, and are not insured by the FDIC, Federal Reserve Board or any other government agency. Purchase of non-deposit products involves risks, including possible loss of principal.
