Payments Accumulation planning addresses an individual's investment needs, asset allocation, and the suitability of different types of securities in light of your goals. Consumer & Business Channel Management Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. Fraud Management & Compliance Business planning focuses on issues specific to business owners and shareholders. For business owners, the business is their most significant asset. Insights & Optimization Risk management is intended to manage financial and other losses potentially associated with risks to your assets, business, or health.