Client Commitment

We believe that...

  • We must understand your total financial needs in order to help you achieve your life goals.
  • Integrity and objectivity are essential to our relationship.
  • A trusted relationship implies responsibilities for our firm, a Wachovia Securities Financial Advisor, and you.

Our Commitment to You


Prudent Investment Guidance

  • You will be provided with prudent investment guidance and recommendations based on a thorough understanding of your goals, time horizon, risk tolerance, and financial situation.
  • You will be informed of any significant conflict of interest, and we will always act in your best interest.
  • You will have assistance in setting realistic expectations about the long-term performance and associated risks of various investments. A Wachovia Securities Financial Advisor will present you with product and service alternatives based on your objectives and risk tolerance - and disclose the comparative risks, benefits, and costs.

Quality Service

  • You will be treated in a fair, ethical, and respectful manner.
  • You will receive competent, courteous, and responsive service.
  • You will have convenient access to a Wachovia Securities Financial Advisor and your account information.

Clear Reporting

  • You will receive clear, accurate, easy-to-understand descriptions of all your transactions and other communications in addition to timely periodic statements of all your accounts.
  • You will be informed clearly about all advisory fees, transaction costs and recordkeeping and reporting costs.
  • You will have your personal information kept private and confidential as described in our privacy statement.

Prompt, Fair Resolution of Problems

  • You will receive a prompt response if a problem arises in your relationship with us.
  • You will have a defined process for raising and resolving a complaint and alternatives if we are unable to resolve the dispute to your satisfaction.

Your Commitment as a Client


Inform and Educate Yourself

  • Read thoroughly all product guides and literature, prospectuses, and other available offering documents before investing.
  • Consider carefully all investment risks, fees, and other factors explained in these documents and by a Wachovia Securities Financial Advisor.
  • Make certain that you understand the relationship between your investment objectives and the potential risks and returns on your investments, keeping in mind that every investment has some type and degree of risk.
  • Remember that past performance is no guarantee of future results and that the opinions and forecasts of securities analysts are subjective and should only be viewed within the context of your overall investment plan and risk tolerance.
  • Consult an attorney or a tax advisor for specific tax or legal advice.

Communicate with Your Wachovia Securities Financial Advisor

  • Provide complete and current information about your financial status, goals and objectives, and risk tolerance so that a Wachovia Securities Financial Advisor can provide you with appropriate recommendations.
  • Proactively ask a Wachovia Securities Financial Advisor any questions you have about your goals, finances, a specific transaction, risk exposures, potential conflicts of interest - and, of course, transaction costs, and other fees.
  • Review all transaction confirmations and account statements or reports carefully and promptly. Report any errors or any questions you have to a Wachovia Securities Financial Advisor or his/her Branch Manager immediately.
  • If you have any holdings (including mutual funds) at other institutions, tell a Wachovia Securities Financial Advisor, so that we can assist with appropriate diversification-and make sure you receive any applicable volume discounts.

10/07, 0707 - 54618

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

Wachovia Securities is the trade name used by three separate, registered broker-dealers and nonbank affiliates of Wachovia Corporation. Retail securities brokerage services offered through Wachovia Securities, LLC, Member NYSE/SIPC and Wachovia Securities Financial Network, LLC, Member FINRA/SIPC. Corporate and Investment Banking services offered through Wachovia Capital Markets, LLC, Member NYSE, FINRA, and SIPC. A.G. Edwards is a division of Wachovia Securities, Member SIPC.