explore the benefits · 2020. 4. 30. · pricing disc ounts and foreign exc hange. 2. access...

WELCOME AN E XCLUSIVE E XPERIENCE

REL ATIONSHIP AND SERVICE

ACCESS AND INSIGHTS

PRIVILEGES AND FE ATURES

CUSTOMIZED WE ALTH SERVICES

LE T’S GE T STARTED

Explore the Benefits

We understand your financial goals are unique and ever evolving. As one of the nation’s leading wealth management firms, our benefits and capabilities extend beyond the financial to address the complexities of your wealth today, and in the years to come.

Our approach to serving you is based on a simple concept: more asking, less telling. With insight into your goals and priorities, we can help you unlock opportunities that align with your personal values. Together, we’ll create a dynamic wealth management plan.

Explore the Benefits 1



ACCESS AND INSIGHTS




An exclusive experience

As a client of The Private Bank, you are part of a select group that can leverage the benefits outlined below. This exclusive experience is designed to provide comprehensive strategies tailored to you and your finances, and is delivered through your dedicated relationship manager. With access to custom solutions, personal service, and all of the resources available through Wells Fargo Bank, you’re free to explore new possibilities.

RELATIONSHIP AND SERVICE

With a thorough understanding of your goals and priorities,

we seek to exceed your expectations every step

of the way.

ACCESS AND INSIGHTS

From delivering exclusive content to facilitating new relationships, we connect

you to powerful knowledge.

PRIVILEGES AND FEATURES

As our client, you have access to exclusive privileges

and features designed to simplify your finances.

CUSTOMIZED WEALTH SERVICES

Our broad range of capabilities allows us to provide tailored solutions for your unique needs.

Click on any benefit above to learn more.




ACCESS AND INSIGHTS




Relationship and ServiceSeeking to exceed your expectations every step of the way

With a thorough understanding of your goals and priorities, we seek to exceed your expectations every step of the way.

Choose any of our benefits on the left to learn more.




ACCESS AND INSIGHTS





SEAMLESS SER VICE FROM THE PRIVATE BANK REL ATIONSHIP TEAM

Work with a dedicated relationship manager who knows you and your family. This individual coordinates with a robust team of specialists to deliver customized analyses, integrated advice, and comprehensive wealth planning for all aspects of your wealth.




ACCESS AND INSIGHTS





IMMEDIATE SUPPOR T FROM THE PRIVATE BANK SER VICE TEAM

The Private Bank Service Team works hand-in-hand with your relationship team as your dedicated account service specialists. Accessible only to clients of The Private Bank, this team is available 24 hours a day, 7 days a week. By making a direct phone call or sending a secure email, you’re able to communicate directly with a client service professional who can address your day-to-day service needs and time-sensitive requests, including those that may arise while you’re traveling internationally.




ACCESS AND INSIGHTS





EXPLORE THE “ WHY” BEHIND YOUR WEALTH

Uncover strategic insights regarding your family’s priorities and values from your dedicated relationship manager through our personalized discovery experience. By deepening our understanding of what matters most to you, we’re able to help you establish an all-inclusive strategy for achieving meaningful outcomes.




ACCESS AND INSIGHTS





DO MORE WITH THE PRIVATE BANK’S EXCLUSIVE DIGITAL EXPERIENCE

Get secure mobile and online access to all of your Wells Fargo Bank accounts through The Private Bank’s exclusive digital experience. Do more from home or afar with all of your Wells Fargo Bank accounts at your fingertips, the ability to securely communicate and exchange documents with your relationship team, and access to articles and publications that matter to you.




ACCESS AND INSIGHTS





DIFFERENTIATED BR ANCH EXPERIENCE

Expect a discreet acknowledgment of your status as a client of The Private Bank when visiting at any Wells Fargo Bank branch. If you’d like added privacy, we can also conceal your account balances from the teller.




AACCCCEESSS S AANNDD I INSNSIIGGHHTTSS




Access and InsightsConnecting you to powerful knowledge

From delivering exclusive content to facilitating new relationships, we connect you to powerful knowledge.










KNOWLEDGE AND INSIGHTS INTO TOPICS THAT MAT TER MOST

Be empowered with thought leadership, publications, and market updates from trusted resources, opinion leaders, and go-to professionals. Explore topics of interest, that are both timely and relevant, and available to you on a regular basis.


https://www.wellsfargo.com/the-private-bank/insights








GLOBAL PERSPEC TIVE FROM WELLS FARGO INVESTMENT INSTITUTE 1

Find out how global events could impact your investments through Wells Fargo Investment Institute. Our industry leaders and financial professionals are available to support you with strategic ideas, market commentary, and economic outlooks relevant to your plan.

Please see final page for important disclosures.


https://www.wellsfargo.com/investment-institute/








MAKE CONNEC TIONS AT EXCLUSIVE C ALLS AND E VENTS

Learn from and inspire others at invitation-only events sponsored by The Private Bank. Many agendas include well-known keynote speakers, thought-provoking panel discussions, and opportunities to connect with other high-net-worth individuals.





PPRIRIVVIILLEEGEGESS AANNDD F FEE AATURTURESES



Privileges and FeaturesSimplifying your finances

As our client, you have access to exclusive privileges and features designed to simplify your finances.










PRICING DISCOUNTS AND FOREIGN EXCHANGE 2

Access certain pricing waivers and discounts, depending on the complexity of your relationship with The Private Bank. Avoid transfer fees on any incoming or outgoing wire transfer services3 through The Private Bank. Conveniently make wire transfers requiring special handling with an exclusive contact number. Receive a discount when you purchase foreign currency online, by phone, or in a Wells Fargo Bank branch, as well as on the conversion rate for foreign currency wire transfers.4










WELLS FARGO PRIVATE BANK BY I N V I TAT I O N VISA SIGNATURE® C ARD

Reserved for clients of The Private Bank, the Wells Fargo Private Bank By Invitation Visa Signature® Card5 provides access to special benefits, services, and travel protections6 with no annual fee. Benefits include access to a valuable rewards program, dining and hotel privileges, and access to various sporting, entertainment, and cultural event packages.



https://www.myvisacardportal.com/wellsfargo/en_us/privatebank/theprivatebank.html








HIGHER LIMITS

Qualify for higher limits on online bank-to-bank transfers, mobile deposits, and higher money movement limits.









PERSONALIZED SUPPOR T FOR FR AUD PRE VENTION, DE TEC TION, AND MANAGEMENT

Experience a sense of confidence with active monitoring of account activity, fraud alerts7, and Zero Liability Protection8 on credit and debit card purchases. When you need it most, The Private Bank Service Team will personally support you every step of the way.









Customized Wealth ServicesProviding tailored solutions for your unique needs

Our broad range of capabilities allows us to provide tailored solutions for your unique needs.










INVESTMENT AND ASSE T MANAGEMENT

Based on the findings of our personalized discovery experience, your relationship manager assembles a team of investment specialists to help you establish your wealth plan. Guided by your goals and priorities, your knowledgeable team focuses on investments that address your goals, objectives, and appetite for risk.









INVESTMENT AND ASSE T MANAGEMENTFOR INVESTMENTS:










Our investment approach is tailored to your specific goals and preferences. Backed by the deep knowledge of Wells Fargo Investment Institute’s (WFII) analysts and strategists, your team of highly experienced financial professionals leverages WFII’s guidance when creating, implementing and managing your portfolio. We will create a portfolio with the appropriate asset mix designed to reflect your unique goals and appetite for risk using different investment styles, sectors and allocations to fixed income, equities, real assets, and alternative investments.

• Tax-efficient investing • Proprietary and third-partystrategies investment managers

• Risk management strategies • Actively and passivelymanaged portfolio solutions

• Traditional and alternativeinvestments


https://www.wellsfargo.com/the-private-bank/solutions/investment-management/









Align your investments with your personal values. SII can help you make an impact in areas that matter most to you.


https://www.wellsfargo.com/the-private-bank/solutions/social-impact-investing/








INVESTMENT AND ASSE T MANAGEMENTFOR ASSETS:










Enhance value potential through strategic acquisitions and dispositions of property, executing comprehensive leasing plans, and capital improvement programs.


https://www.wellsfargo.com/the-private-bank/solutions/specialized/real-estate-asset-management/









Our philosophy is that the prudent use of traditional and alternative* asset classes should be strongly considered in order to achieve consistent risk-versus-return relationships. Therefore, we’ll work with you to build a portfolio with an appropriate mix of securities specific to your needs. Beyond traditional equities and bonds, these allocations may also include hedge funds, private equity, real estate, and commodities.

* Alternative investments carry specific investor qualifications which can include high income andnet-worth requirements as well as relatively high investment minimums. Available to pre-qualifiedinvestors only.










Leverage our extensive experience in this market sector. Together we help develop and implement solutions based on your particular interests for environmental assessments, contract negotiations, drilling participation, and income management.


https://www.wellsfargo.com/the-private-bank/solutions/specialized/oil-gas-mineral-management/








WEALTH PL ANNING

Guided by our personalized discovery experience, a team of specialists works with you, your family, and your external advisors to review your personal financial situation and assist in planning to your unique needs. With a well-developed wealth management plan in place, you can access the services and solutions to address your goals around preserving your wealth, building your assets, and leaving a lasting legacy.


https://www.wellsfargo.com/the-private-bank/solutions/wealth-planning/








PRIVATE BANKING

As a client of The Private Bank, you have access to an exclusive suite of banking services designed to help meet your complex financing and liquidity needs.










PRIVATE BANKING


The strategic use of credit is a critical component of a robust wealth plan. With this in mind, we provide options for you to use customized credit to help finance commercial real estate or aircraft, and specialty assets such as fine art or life insurance premiums. Underwriting and documentation flexibility may be available, too.



https://www.wellsfargo.com/the-private-bank/solutions/private-banking/








PRIVATE BANKING


Maintain positive cash flow by choosing from a range of checking and savings solutions with exclusive features and benefits, including higher limits on bank-to-bank transfers and money movement.



https://www.wellsfargo.com/the-private-bank/solutions/private-banking/








PRIVATE BANKING


Take advantage of powerful strategies and gain nationwide access to competitively priced mortgage options that are in accordance with your holistic wealth plan including flexibility around non-traditional income streams.



https://www.wellsfargo.com/mortgage/private-mortgage-banking








BUSINESS TR ANSITION AND ADVISORY SER VICES

Know the true worth of your business and set goals to raise the value and, if and when the time comes, prepare for a transition. We collaborate with you and your advisors to build an all-encompassing plan designed to help you enhance your financial future with help from these services:

n Business valuation services

n Business transition planning

n Closely held asset management


https://www.wellsfargo.com/the-private-bank/solutions/specialized/business-advisory-services/








FAMILY DYNAMICS

Engaging in essential conversations that address family dynamics can help to sustain wealth and values across multiple generations. Get to the heart of what really matters by focusing on shared purpose, communication and trust, a well-designed governance structure, and heir preparation for a successful transition of not only your wealth but also your legacy.


https://www.wellsfargo.com/the-private-bank/solutions/family-dynamics








PHIL ANTHROPIC SER VICES

Charitable giving brings families together, and together we help you create a meaningful legacy. Our philanthropic specialists help you identify causes and define giving strategies through an intentional giving plan that aligns with your family’s values.


https://www.wellsfargo.com/the-private-bank/solutions/specialized/philanthropic-services/








FIDUCIARY SER VICES

Gain confidence and reassurance with your personal and financial affairs, knowing you are providing immediate and long-term support to your loved ones.









FIDUCIARY SER VICES


Creating and leaving a meaningful legacy requires careful planning, along with thoughtful reflection on the goals and values that are most important to you. Pass wealth on to multiple generations with support from our team of trust planning professionals.


https://www.wellsfargo.com/the-private-bank/solutions/specialized/legacy-trust/








FIDUCIARY SER VICES


Provide for your loved ones living with a disability. We offer both short- and long-term support through a special needs trust—helping to ensure proper care, meeting cash flow needs, and preserving government benefits.


https://www.wellsfargo.com/the-private-bank/solutions/specialized/special-needs-trust-services/








FIDUCIARY SER VICES


A well-defined estate plan helps ensures that your wishes are carried out and family members are cared for. Efficient planning support includes estate settlement valuations, distributions, tax preparation, and administrative functions. When you name Wells Fargo Bank, N.A. as the executor, personal representative, trustee, or agent of your estate or trust, our team of dedicated specialists manage the entire settlement process.


https://www.wellsfargo.com/the-private-bank/solutions/specialized/estate-services/







Let’s get started

Experience an approach to wealth management that puts your values at the forefront. It is our great privilege to serve you, and we look forward to demonstrating the benefits available to you and your family through The Private Bank.


https://www.wellsfargo.com/the-private-bank/







Disclosures

Disclosures:

1 W ells Fargo Investment Institute, Inc. is a registered investment adviser and wholly-owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.

2 W ells Fargo & Company offers swaps, foreign exchange hedging products and foreign currency risk management solutions through Wells Fargo Bank, N.A., which is a swap dealer registered with the Commodity Futures Trading Commission (CFTC) and a member of the National Futures Association (NFA). Balances held offshore, including multi-currency accounts and foreign deposits, are not FDIC-insured, may lose value, and are not guaranteed Foreign Exchange and Interest Rate Risk Management products and services are subject to customer qualification.

3 Additional fees may apply and can include but are not limited to: a fee for bank-initiated transactions, amendment fees, statement fees, fees assessed by other financial institutions (for example, beneficiary and intermediary banks), etc.

4 Wells Fargo Bank makes money if converting U.S. dollars to a foreign currency.

5 Credit cards are offered through Wells Fargo Bank, N.A. and are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice.

6 Certain restrictions, limitations, and exclusions apply. Please review the Wells Fargo Private Bank By Invitation Visa Signature® Guide to Benefits for details.

7 Availability may be affected by your mobile device’s coverage area. Mobile carrier message and data rates may apply.

8 Please review your applicable Wells Fargo Bank account agreement and card terms and conditions for information on liability for unauthorized transactions.

9 R esidential mortgages offered through Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

This document has been created for informational purposes only, is subject to change without notice, is not all encompassing and is not a solicitation or an offer to buy any security or instrument or to participate in any planning, trading or distribution strategies.

Wells Fargo Private Bank provides products and services through Wells Fargo Bank, N.A. and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.

Wells Fargo & Company and its affiliates do not provide legal or tax advice. Please consult your legal and tax advisors before taking any action that may have tax or legal consequences to determine how this information may apply to your own situation. Wells Fargo Advisors does not provide tax or legal advice. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your taxes are prepared.

Wells Fargo Bank, N.A. offers various advisory and fiduciary products and services including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, may be paid an ongoing or one-time referral fee in relation to clients referred to the Bank. The Bank is responsible for the day-to-day management of the account and for providing investment advice, investment management services and wealth management services to clients. The role of the Financial Advisor with respect to Bank products and services is limited to referral and relationship management services.

Brokerage products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member FINRA/SIPC, a registered broker-dealer and separate non-bank affiliate of Wells Fargo & Company.

Wells Fargo Investment Institute, Inc. is a registered investment adviser and wholly-owned subsidiary of Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company.

Alternative investments carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. Available to pre-qualified investors only.

Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns nor can diversification guarantee a profit in declining markets.

Additional information is available upon request.

© 2020 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. NMLSR ID 399801 CAR-1219-02011

explore the benefits · 2020. 4. 30. · pricing disc ounts and foreign exc hange. 2. access...

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