Insights Magazine Fall 2012
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Insights offers Regions Private Wealth Management's perspective on current economic issues, wealth strategies, your business, retirement and planning tactics. Download Insights Magazine Fall 2012 Issue.

With our second issue of Insights magazine, we want to provide you with a timely and timeless resource. Insights is an avenue not only for communicating with our clients, but also helping them approach challenging financial times. We see this magazine as an investment in you — an opportunity to enrich your understanding of how to build and preserve your financial well-being.


The Changing Face of Wealth

With our second issue of Insights magazine, we want to provide you with a timely and timeless resource. Insights is an avenue not only for communicating with our clients, but also helping them approach challenging financial times. We see this magazine as an investment in you — an opportunity to enrich your understanding of how to build and preserve your financial well-being.

In this issue, we highlight market performance during presidential election years, as well as subjects that may affect your financial future, such as potential 2013 tax changes and the rising costs of long-term care. Our team at Regions Private Wealth Management is ready to assist with any questions you may have.

This issue of Insights also contains several articles that focus on women's financial preparedness. Did you know that women will control two-thirds of all U.S. assets by 2030? That's an exciting and staggering reality. At Regions, we want to help empower women to become informed decision makers in their financial future, no matter where life takes them. Our cover story (“The Changing Face of Wealth,” page 7) explains steps that couples and unmarried women can take to better protect their finances and estates. “Looking Beyond” (page 15) explores the unique financial concerns of losing a spouse, and our Spotlight interview (“Changing Times,” page 18) features fascinating commentary by Regions' newest board member, Ruth Ann Marshall, on the career and financial concerns facing women today.

While this issue of Insights focuses on women, the lessons are universal, offering relevant information to any reader. Your Regions Wealth Advisor can help you better plan for the future by providing the Regions Wealth AssessmentSM — a thorough review process that takes a three-dimensional view of financial risk across all aspects of your life.

Wealth Intelligence

Investment and income taxes could rise significantly in 2013; women's buying power is increasing; how U.S. stocks perform in election years; and making sure you are prepared for future long-term care costs. p4

Cover Story - The Changing Face of Wealth

Women are expected to control two-thirds of U.S. wealth by 2030. Couples can take steps to better protect their financial future, and women can empower themselves. p7

Regions' Perspective - Taking the Reins

Women are already taking a more active role in managing their families' wealth — and it's paying off. Here's how your Regions Wealth Advisor can help you take the next steps. p12

Your Business - GRAT Opportunity

Today's economic environment offers an opportune time to consider using a grantor retained annuity trust to transfer business assets to family with minimal tax consequences. We explain why and how to use GRATs effectively. p13

Legacy - Looking Beyond

The odds of widowhood are unfortunately high for many women today. But couples can take steps to make the transition easier. p15

In Retirement - Retire With Confidence

Affluent retirees today need to think differently about asset allocation. Here's a look at the considerations and how to design an allocation strategy that's right for you. p17

Spotlight - Changing Times

Ruth Ann Marshall, Regions' newest board member and former MasterCard executive, explains financial trends and challenges faced by women today. p18

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This information is general in nature and is provided for educational purposes only. Regions makes no representations as to the accuracy, completeness, timeliness, suitability, or validity of any information presented. Information provided should not be relied on or interpreted as accounting, financial planning, investment, legal, or tax advice. Regions encourages you to consult a professional for advice applicable to your specific situation. Regions neither endorses nor guarantees any websites or companies referenced in this article that are not owned by Regions.