Build Your Future With Investment Services
From your first paycheck to your retirement and every milestone in between, your BSNB Wealth 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 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.
Asset management solutions
Trusted Portfolio Management
Investment and asset management means BSNB Wealth Management Solutions provides ongoing advice and oversight of your investments while handling the administrative details, so your portfolio stays aligned with your goals as life and markets change. Our process includes:
- We listen first to build a strong relationship.
- We customize your strategy around your goals.
- We actively manage your account to minimize risk, maximize returns.
- We put you first with local, hands-on service.
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.
Our Wealth Management Team
Frequently Asked Questions
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.
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.
Savings Accounts
A BSNB savings account gives you a safe, FDIC-insured place to build your financial cushion – whether you’re saving for an emergency, a down payment, or something in the future.
- Multiple savings account options to match your goals
- Competitive interest rates – your money earns while it sits
- FDIC-insured up to applicable limits
- Easy transfers between your BSNB checking and savings accounts
- Access your balance 24/7 through Online and Mobile Banking
Go Further With BSNB
Explore products and services that support you in every stage of life.
| No Bank Guarantee | Not FDIC Insured | Not a Deposit | Not Insured By Any Federal Government Agency | May Lose Value Including Loss of Principal |
