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 Private Banker will conduct a Regions Wealth AssessmentSM, an innovative model for asset allocation, which helps you meet those needs.
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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 Private Banking offers you premium solutions such as cash management, credit and insurance products to protect your assets and maintain your basic standard of living.
-Includes: Cash Management, Credit Solutions, Mortgage Services, Insurance Services,
Regions ReserveSM American Express® Card
Market Assets
In order to grow your wealth and maintain your lifestyle, you need to consider taking on market risk. Through Regions Trust and Regions Investment Management you gain access to sophisticated wealth management services. Regions 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 Trust, Regions Investment Management
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 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 Private Banker to work for you, please call 1-866-240-9895 or
have a private banker contact you.
Trust services are provided through Regions Trust, a division of Regions Bank. Investments in securities and insurance products held in Regions Trust accounts are not FDIC-insured, not deposits of Regions Bank, not guaranteed by Regions Bank, not insured by any federal government agency, and my go down in value.
