Personal Financial Planning

Couple walking on a wooden bridge. Sandy Spring Trust Personal Financial Planning

Understanding your personal financial goals is the first step to designing a strategy that becomes the foundation on which financial success is built.

Get Started Now

  
Working with you to develop a plan for success, we integrate: 

  • Question

    Investment Management

    Answer

    At Sandy Spring Trust, we take a life goal approach to planning. We want to uncover your specific life goals and needs so we can best develop a strategy that will deliver accordingly. Our team will work with you to develop an Investment Policy Statement and customize a portfolio just for you.

  • Question

    Retirement Planning

    Answer

    Accumulating or distributing retirement assets needs a plan. We will help you understand distribution options and ways to take them efficiently. 

    There are many retirement savings vehicles, employer plans, individual plans and alternative strategies. Together we will craft a strategy to ensure retirement assets are aligned with your goals and are tax efficient.

     

  • Question

    Tax Planning

    Answer

    Taxes are unavoidable. We work with clients to build investment and income strategies that are focused on tax efficiency. Savings and distribution strategies can impact taxes today and tomorrow. We look to help balance the tax impact of goal funding.

  • Question

    Estate Planning and Trusts

    Answer

    We will help you make sense of the complexities and look for strategies to help preserve and protect your legacy. We can work with your attorney to design an estate planning strategy consistent with your goals. Following through on the estate can be difficult, we can assist you in this process.
     

  • Question

    Charitable Giving

    Answer

    Working with a financial planner, you can create a plan to support organizations that align with your values. 

    Our team helps you:

    • Develop goals for your charitable giving initiatives
    • Identify charities to support
    • Consider the financial ramifications
       
  • Question

    Risk Management

    Answer

    Whether you have built your wealth or are on the way accumulating assets, managing risks is important. Personal, professional or business liabilities can expose your personal assets. We help identify where those risks exist and develop solutions to help fill those gaps. Protecting income and providing for family is vital to reaching family financial goals. We look for efficient ways to help make it happen.

  • Question

    Executive Compensation

    Answer

    Executive compensation can present many opportunities to grow your wealth. We can help you develop a strategy to maximize your benefits. There are many ways executive compensation can be leveraged to meet income, legacy, and philanthropic goals. We work with you to identify those opportunities, and the best way meet those wishes.

Whether you are starting your first job or planning for a late retirement, Sandy Spring Private Client Group is here to walk you through the best options for you and your family. Wherever you are in life, we have a solution to help you attain your goals.

Financial Planning can bring clarity and harmony to all areas of your personal financial life. It becomes a reflective process to assist you and your family to make better financial decisions. 

Our team of financial planners will work closely with you to design a comprehensive plan to set you off on your financial journey. They will review your plan on a regular basis to track progress, address any obstacles, and assess new opportunities. 

Get Started Now

  • Disclosure

    Neither Sandy Spring Bank nor Sandy Spring Trust act as a substitute for the legal and tax advisors your, your family, or business will need. Our staff will work closely with your advisers to coordinate your overall plan.

    Sandy Spring Trust is a division of Sandy Spring Bank, Member FDIC. Sandy Spring Bank, Sandy Spring Trust, and the SSB logo are registered trademarks of Sandy Spring Bank.