Individual Investor Services

Comprehensive Investment Services

                   

Facilitated by the vast resources of one of the nation's largest brokerage firms*, The Fishman Fletcher Wealth Management Group offers a complete range of services including full-service brokerage, asset management as well as access to lending, trust, and banking services through affiliates of Wachovia Corporation.

We can help you design and develop a plan to:

  • Grow and protect your savings
  • Produce dependable income 
  • Plan for retirement
  • Arrange for college expenses
  • Reduce potential taxes
  • Pass assets on to your heirs

In a time when financial information seems contradictory and overwhelming, we believe it is more important than ever to seek sound, personalized advice.

 *Based on customer assets

Investment Products and Services

                              

  • Professionally managed, fee based portfolios
  • Stocks: common and preferred
  • Bonds: corporate, government, municipal and international (denominated in non-U.S. dollar currencies)
  • Money markets: taxable and tax-advantaged (allowing for automatic sweep of available cash)
  • FDIC-insured certificates of deposit
  • Tax-deferred annuities*
  • Mutual funds
  • Investment management consulting
  • 529 college savings plans
  • Hedging, diversification and monetization strategies
  • Lending services, including mortgage loans*
  • Overseas investments
  • Foreign currencies
  • Precious metals

Independent money management may not be suitable for all investors. Please carefully review the Wachovia Securities advisory disclosure document for a full description of our services, including fees and expenses.
* Available through affiliates

Professionally Managed, Fee-Based Portfolios

Although we offer traditional brokerage accounts, The Fishman Fletcher Wealth Management Group believes that long-term asset management is best acheived utilizing a coordinated team of professional money managers.  Our clients can take advantage of a variety of value-added money-management services in which a quarterly fee based on the assets in the account replaces traditional commission charges.  Through these programs, we can help our clients develop and routinely monitor a portfolio that balances the need for growth with the need for current income.  The portfolio will be reviewed and rebalanced periodically to assure that the balance of risk and potential return is appropriate.

Fee based programs are not designed for excessively traded or inactive accounts and may not be suitable for all investors. Please carefully review the Wachovia Securities advisory disclosure document for a full description of our services, including fees and expenses.

Mortgage Lending Services

                        

Buying or refinancing a home?  A vacation home?  How about an equity loan to pay for college educations, vacations or to pay off expensive credit card balances?  Wachovia Securities Mortgage Services may be able to help.

Lending and other banking services available through the Banking Services Group of Wachovia Securities are offered by banking and non-banking affiliates of Wachovia Corporation, including, but not limited to Wachovia Mortgage Corporation (Wachovia Mortgage, FSB as of 2/19/08), Wachovia Bank, National Association, Wachovia Bank of Delaware, National Association, or Wachovia Financial Services, Inc. All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Initial decision is subject to you meeting specific underwriting requirements and final approval will be based upon your satisfying those requirements.  

 

 

Education Expense Planning Services

                    

The Fishman Fletcher Wealth Management Group has access to the nation's finest 529 College Savings Plans.  It's never too early to start planning for a child's education.  It's also a wonderful way to gift money to a new grandchild!

Retirement Planning

                              

Whether you are an individual investor, business owner, or corporate executive, we can help you establish and maintain an effective retirement plan for yourself and/or your employees.  We can offer a wide range of retirement-plan choices, including:

  • Self-directed and traditional IRAs and rollovers
  • Roth IRAs and conversions
  • IRA pre-59 1/2 distributions and pre-retirement planning
  • SIMPLE and SEP-IRA plans
  • Retirement-plan analysis, including design and implementation of 401(k) plans

Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59½.

Estate and Wealth-Preservation Planning

                       

By taking steps today to review your will and estate documents with your professional advisors, you may be able to protect your heirs from needless and substantial delays, fees, and taxes.  Proper estate planning can use lifetime gifts and trusts to help minimize or potentially eliminate an estate tax liability.  Often, the most effective and economical way to direct your assets and reduce estate taxes is through a trust.  The Fishman Fletcher Wealth Management Group can assist in reviewing your estate plan to simplify the transfer of your estate to family members.  Through affiliates, we can give you access to a wide array of trust services.  We will work with you and your other professional advisors, including your CPA and attorney, to develop the strategy that is most appropriate for your situation.   

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.

Wachovia Securities does not provide tax or legal advice. Please consult with your tax advisor before taking any action that may have tax consequences.