Personal Financial Planning

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.

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.

 

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.

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.
 

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
   

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.

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.