Our Services

As one of the nation’s largest brokerage firms, you will find that we offer virtually every product or service similar to what’s available at competitive firms. Because the following is merely a general summary that will not answer all of your questions, we invite your inquiries about any area of interest that you may have. Printed material is readily available and will be provided upon request.

Comprehensive Investment Planning
Pre- and post-retirement planning 
Estate planning and review
Education planning
Life insurance analysis¹ 
Personal net-worth review and updates 

Retirement - Plan Services
Traditional IRAs, Roth IRAs, and Roth conversion IRAs.
Planning for lump-sum and periodic distributions
SIMPLE plans for small businesses
401(k), defined benefit, profit-sharing, and money purchase plans
Asset-allocation advice
Simplified Employee Pension (SEP) plans

Fee-Based Portfolio Management and Brokerage Services ²

FundSource. Our exclusive mutual fund wrap-fee program.³ It offers investors a series of professionally managed portfolios consisting of no-load, load-waived and institutional share class mutual funds. The process begins with a thorough understanding of your goals, time horizon, income requirement and overall tolerance for risk. Through this service, we can provide a portfolio suited to your investment objectives, along with monitoring your investment performance and making recommendations as needed. Objectivity, professional money management and simplicity — all available to you in the FundSource program. Minimum initial investment: $25,000
Mutual funds are sold by prospectus. Please consider the investment objectives, risk, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest.

Masters Program. With the Masters program, we can provide you access to some of the nation's most exclusive portfolio managers. Although many of these managers usually work only with accounts of $1 million or more, by working with Wachovia Securities, investors with $100,000 or more can benefit from their services. Minimum Initial Investment: $100,000 (For most investment styles)

Diversified Managed Allocations. In one DMA account, a combination of professionally managed portfolios is strategically allocated using our disciplined investment process. This program offers separately managed portfolios featuring asset allocation, diversification, and risk-based portfolio management to investors with a minimum investment of $150,000.

Network. The Network Program provides clients access to many of the nation's well- known money managers in a dual contract arrangement. This program offers clients consulting services and transactions for a fee-in-lieu of commission or a negotiated commission schedule. Minimum initial investment: $100,000 (for most accounts)⁴

Compass Advisory Program. The Wachovia Compass Advisory Program^SM 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, Wachovia Compass is designed for those who wish to have a portfolio of individual stocks and bonds, but want to leave the decision making to a professional. Minimum initial investment: $50,000 - $200,000

Wachovia Securities does not provide tax or legal advice. Be sure to consult with your own tax and legal advisors before taking any action that would have tax consequences. Asset allocation/investment timing cannot eliminate the risk of fluctuating prices and uncertain returns.

Comprehensive Asset Management / Electronic Access
Money-market fund with checkwriting
Visa® debit card
Consolidated statements
Online trading
Free Online access to account information
Direct deposit

Fixed Income
Government Bonds
Agency Bonds
Investment-grade Corporate Bonds
Tax-Free Bonds*
Zero Coupon Bonds
FDIC Insured-CDs
*Income is generally free from federal and state taxes for residents of the issuing state. While the interest income is tax-free, capital gains, if any, are subject to taxes. Income may be subject to the federal Alternative Minimum Tax (AMT).

Mutual Funds, Annuities & Insurance
Stock, bond and balanced ( stock & bond ) mutual funds
Fixed and Variable Annuities¹ 
Universal Life, whole-life, and term life insurance¹

Wealth Preservation
Referrals to qualified insurance, tax, and legal specialists
Execution of strategies in concert with your tax and legal advisors

Trust Services⁵
Sophisticated trust services available from affiliates of Wachovia Corporation, the nation's fourth-largest bank-holding company
Available in all states
Living trusts
Testamentary trusts
Life-insurance trusts
Charitable remainder trusts

Services for Businesses
Retirement plans
Key-person life insurance¹

Corporate and Executive Services
SERPs
ESOPs
Stock-option financing
Deferred-compensation plans

Lending Services⁶
Mortgages and home-equity lines
Personal credit needs

Research
Wachovia Capital Markets
Credit Suisse

High Net Worth Bond Program
Large municipal bond portfolios
Complete analysis of holdings
Yield and coupon analysis 
Maturity Alert Report

Equity Strategies
Alternatives to concentrated stock positions
Price risk management and/or diversification
Rule 144 and Rule 145 shares
Equity derivative strategies

Account Protection
Holding your securities in street name with us eliminates the need for you to hold stock certificates, deposit dividend checks, and clip bond coupons; you also receive automatic adjustments and credits for stock dividends and splits. This is also an excellent tool if you have stocks that pay dividends and want them reinvested in full and fractional shares with no commission cost.

Unlike many brokerage firms that set dollar limits on account protection, Wachovia Securities does not limit its account protection. Coverage for cash and securities in protected client accounts is provided from two sources. The Securities Investor Protection Corporation (SIPC) protects up to $500,000, of which $100,000 may be cash. We provide additional protection, at no cost to you, for the remaining net equity balance, if any, of the cash and securities in your accounts. This coverage does not protect against losses from any change in the market values of investments. More information about SIPC coverage can be found at www.sipc.com.

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 Important Disclosures

¹ Insurance products are offered through nonbank insurance agency affiliates of Wachovia and are underwritten by unaffiliated insurance companies. Wachovia Securities, LLC is a separate non-bank affiliate of Wachovia Corporation.
² Fee-based accounts are not designed for excessively traded or inactive accounts and may not be suitable for all investors. Since no one manager is suitable for all types of investors, this information is provided for information purposes only. We need to review your investment objectives, risk tolerance and liquidity needs before we introduce suitable managers to you. Please carefully review the Wachovia Securities advisory disclosure document for a full description of our services. A minimum annual fee may apply for these programs.
³ The fees for the FundSource program includes advisory services, performance measurement, transaction costs, custody services and trading. The fees do not cover the fees and expenses of the underlying funds and customary brokerage charges may apply to non-program assets.
⁴ The Wachovia Securities fees for the Network program may be either asset, or commission-based, and are assessed quarterly in advance. The fees include performance measurement, transaction costs, custody services and trading. There is an additional fee, billed separately, for the outside money manager's advisory services. During periods of lower trading activity, your costs might be lower if our compensation were based on commissions.
⁵ Trust services are offered through Wachovia Bank, National Association, a national banking association (chartered by the Office of the Comptroller of the Currency) and a wholly owned subsidiary of Wachovia Corporation.
6 Lending Services are available through banking and non-banking subsidiaries of Wachovia Corporation, including, but not limited to Wachovia Bank, National Association and Wachovia Bank of Delaware, National Association, separate affiliates of Wachovia Securities, LLC and subsidiaries of Wachovia Corporation. All loans are subject to credit approval. Wachovia Bank and Wachovia Bank of Delaware are equal housing and opportunity lenders.