We offer a full range of financial programs and choices to assist business owners, executives, and corporations—including:

• personal investment portfolios;
  
• estate planning for executives;
  
• Rule 144 restricted and control stock sales;
  
• stock-option exercise and sale programs;
  
• corporate cash management;
  
• corporate stock repurchase programs;
  
• retirement plans:
  
  • SEP-IRAs; pension and profit-sharing plans;
    
  • 401(k) plans;
    
  • money-purchase pension plans;
    
  • defined-benefit plans;
    
  • evaluating existing plans;
    
• key-man and other life insurance programs;
  
• funding for buy-sell insurance agreements;
  
• investment advice on proceeds from sale of business; and
  

Available through Wachovia Insurance Services, Inc., a wholly-owned subsidiary of Wachovia Securities, Inc. Not available in all states. Withdrawals from an annuity prior to age 59 1/2 may incur a 10% Federal excise tax.