Build Your Future With Investment Services
From your first paycheck to your retirement and every milestone in between, your BSNB Financial Services Advisor gets to know your goals personally – so every recommendation moves you closer to the future you’re working toward.
personal investment solutions
Steady, Tax-Deferred Growth
Whether you’re growing your savings or looking for steady, tax-advantaged growth, BSNB Financial Services offers access to annuities and mutual funds to help diversify your portfolio and move your money toward your goals.
- Guaranteed minimum rate and principal protection with an annuity.* Fixed and variable available.
- Long-term tax deferral versus many other options.
- Diversified investments through mutual funds.
- Guidance matched to your goals and risk tolerance.
- Professional support every step of the way.
529 college savings Accounts
Saving for Their Next Step
College planning covers three stages – saving early, paying smart, and preparing your student to manage their own money. A 529 plan combines tax advantages, professional money management, and flexibility, giving your family a dedicated way to grow funds for future education costs.
- Tax-advantaged growth designed for education expenses.
- Professionally managed options for peace of mind.
- Flexible enough to adapt as your child’s education plans grow.
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Meet Our Financial Team
Stephan Scribner, CFP®
Osaic Institutions Financial Advisor*
BSNB Financial Services
990 State Route 67
Ballston Spa, NY 12020
Michael Ciarlo
Osaic Institutions Financial Advisor*
BSNB Financial Services
1793 Western Ave
Albany, NY 12203
Personal Investment Services
No. Products offered through BSNB Financial Services and BSNB Wealth Management Solutions are not FDIC insured, carry no bank guarantee, and may lose value, including loss of principal, since they are not bank deposits.
*No Bank Guarantee, Not FDIC Insured, Not a Deposit, Not Insured By Any Federal Government Agency, May Lose Value Including Loss of Principal
Investing in mutual funds can help you conveniently diversify your investments. Our Osaic Institutions Financial Advisors* will help you consider your investment objectives, risk tolerance and other variables and provide guidance on whether this type of investment makes sense for your individual situation.1
What are the benefits of investing in a mutual fund?
- Opportunities for diversifying your portfolio2
- Invest with experienced money managers
- Low initial investment amounts
- Opportunity to set up automatic investments3 through a bank transfer
- Convert your investment to cash by redeeming your shares
* Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC. Member FINRA/SIPC.BSNB Financial Services is a trade name of Ballston Spa National Bank. OSAIC INSTITUTIONS, INC. and Ballston Spa National Bank are not affiliated. Products and services made available through OSAIC INSTITUTIONS, INC. are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
1 Before investing in a mutual fund, carefully consider its investment objectives, risks, fees, and expenses, which can be found in the prospectus available from the fund. Read it carefully before investing. 2 Diversification is a method of controlling risk. It does not assure a profit or the avoidance of loss. 3 Dollar cost averaging is a method of controlling risk. It does not assure a gain or the avoidance of loss. Investors should consider their ability to continue a dollar cost averaging program in periods of declining markets.
A 529 plan offers tax-advantaged growth and professional money management specifically for education expenses, while a regular savings account does not offer the same tax benefits for college costs.
Your investments are managed by local, credentialed advisors – including CFP® professionals and Osaic Institutions Financial Advisors for personal investing, and BSNB Wealth Management Solutions officers for trust and asset management.
Yes. BSNB Financial Services and Wealth Management Solutions advisors are based in Ballston Spa and Albany, serving clients throughout Saratoga County, Albany County, and the greater Capital Region.
Your advisor helps you evaluate your family’s full financial picture, so you can balance college savings goals with retirement contributions rather than choosing one over the other.
*Guarantees are made by the claims-paying ability of the carrier.
Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC. Member FINRA/SIPC. BSNB Financial Services is a trade name of Ballston Spa National Bank. OSAIC INSTITUTIONS, INC. and Ballston Spa National Bank are not affiliated. Products and services made available through OSAIC INSTITUTIONS, INC. are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial PlannerTM and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
