Take Control of Your Future

Associated Bank Private Wealth offers a variety of financial professions featuring Certified Financial Planner (CFP®), Certified Trust & Fiduciary Advisor (CTFA®) and Chartered Financial Analyst (CFA®) to offer a comprehensive, tailored wealth plan designed to meet your current and future goals. We believe our clients deserve more than a cookie cutter plan, so our financial professionals offer active portfolio management to ensure we’re preserving your wealth, meeting your needs and evolving with your goals. 

You’ll find that many firms only offer customized Wealth Planning services to high-net-worth clients with $1 million or more in assets. Often, those with assets under $1 million are serviced through a call center or Robo Advisor. Associated Bank Private Wealth offers tailored wealth plans to clients with $1 million or more in assets.

When you meet with our financial professionals you can expect to discuss the inclusion of tax planning advice and guidance, budgeting, debt ratios, rate of return to meet your financial goals, charitable giving advice, present net worth, estate and succession planning, and more.

We understand that in life you may need to make difficult personal decisions, and your financial professionals should be seen as a part of those conversations. We can assist with difficult financial decisions such as Divorce Planning, Business Exit Planning, Planning for Incapacity and Distribution of Estate.

Yes, you will have online and mobile access to Associated Portfolio Online (APO) or Wealth Access.

We also recommend that once signed up for APO, you utilize the account aggregation tool to ensure you have a full picture view of your total wealth.

You’re at the center of your wealth plan. You need an advisor that can understand you, your goals, and help you get there. We believe our clients deserve more than an algorithm and computer software. You’ll work with a human being—an investment expert-- to build tailored wealth plans based on historical performance, upcoming tax changes, your goals, and more.

At other firms, your computer is your Advisor. This technology provides financial advice or investment management online with moderate to minimal human intervention. Robo-advisors provide digital financial advice based on mathematical rules or algorithms, automatically allocating, managing, and optimizing the assets of clients.  

In our experience, we find that there are five very compelling reasons why a human financial professional is best for you and your family.

1. Time changes everything so you need a long-term partner. Wealth-building is a marathon, not a sprint. A long-term view of your family’s horizon is critically important. The question becomes:  Who is better qualified to be your long-term partner? A human who understands you and your family will be a better long-term partner than a computer system that doesn’t really know you. Life events can change your financial goals and what you want to do with your time. Your wealth plan needs to follow suit.

2. The best-laid plans are often laid to waste. Some people can lose sight of their financial goals either because life gets in the way or because they run into a complex situation where they require sound financial guidance but don’t receive it. If you are going to achieve your wealth creation goals, a financial services professional can help to keep you focused and on the right path to meet them.

3. A financial coach can help guide you through adversity. Top athletes have top coaches and so should you. Every path to greatness is met with some type of obstacle, some challenge that must be overcome. The markets are often volatile and the urge to get out at the wrong time can be very strong. Some of the most important coaching a financial partner delivers to a client occurs during significant market downturns. Choices made under duress often have irreversible consequences. If you don’t have an advisor who understands your anxiety and can help talk through the situation with you, it is very possible that you’ll make decisions that have a long-term negative impact on your wealth.

4. A human financial advisor may better understand why you are building wealth. For the vast majority of Americans, wealth building is about ensuring that their family lives the life that they always dreamed of. Over your lifetime, many life events might take place that have financial implications—such as marriage, buying a new home, raising kids, saving for college—and each of these major life events will come with some significant financial choices. An experienced professional can add value by understanding your unique situation and helping you balance the financial implications of each option against your sense of duty or emotional commitment.

5. A computer will not “hear” more than you say. A human being can intuit things you don’t say, and that is crucial to wealth building. Talking to children and grandchildren, parents and even a spouse about money can be very difficult. There are many opportunities for miscommunication, for sending the wrong message. This is why you need an actual human being to listen to you, to ask clarifying questions and to re-ask them over time. As we talk about money, we sort out what really matters to us and what we want to see our wealth do for us. As major life events come our way and change our priorities, it helps to have someone who can provide assistance.

The bottom line nothing will ever replace sitting down and talking to an experienced financial professional—someone who will look you right in the eye and listen to both what you say and what you don’t; someone who really knows you, your values, your family and why you want to build wealth.