HSBC Premier family wealth management | HSBC

A Premier Relationship Advisor from HSBC Securities (USA) Inc.¹ will work with you to create an integrated financial plan that can help you meet your family's goals.

HSBC Premier Relationship Advisors can help create wealth planning strategies for every life stage, from newly married to retirement living. Complete wealth management strategies from building and protection to distribution and transfer are available.

Insurance can protect what you have earned, increase financial security for you and your family, and help you reach goals. As part of the personalized attention that comes with HSBC Premier, experienced professionals from HSBC Insurance Agency (USA) Inc. can help simplify the process of choosing the right insurance. Our approach is consultative, so we'll work to understand your individual needs and help identify the coverage that is right for you. Depending on your goals, we might recommend solutions including the following:

• Term Life provides a defined amount of coverage, at a fixed premium, over a specific period of time, and is ideal for periods of increased risk and exposure, as when you are paying a mortgage or for a child's education.
• Permanent Life Insurance provides a combination of cash value accumulation and tax advantages. Most policies build up a tax-deferred value you can access to cover expenses like college tuition or to generate retirement income.
• A Single Premium payment option for life insurance can be an efficient method of transferring your assets to your family or charitable organizations. With one lump sum payment, you will have a guaranteed, paid-up death benefit that will allow you to pre-fund specific legacy goals with confidence.
• If you become disabled and can't work, Disability Insurance can replace lost income and allow you to maintain your lifestyle. Long-Term Care Insurance can help protect your assets while providing ongoing care if you need it.

Whether you and your family are heading across town or around the world , it's reassuring to know you're not on your own. HSBC Premier offers members of your immediate family benefits even when you are not traveling with them.

As your children grow more independent, their personal financial needs grow as well. As a Premier client, you will benefit from services designed specifically for your family.

• A supplementary credit card, with a pre-set spending limit to be determined by you.
• A joint HSBC Premier Savings account³ for you and your child to help teach financial responsibility and the importance of planning for the future.