Wealth Management

Trust Services

Trust Services Provide Protection

Trusts are flexible planning tools that you can use for the management of your assets during your lifetime as well as to provide for your family and heirs after death. They can also provide continuity and financial protection if you become disabled.

S&T Wealth Management provides a comprehensive range of trust services that protect your family’s financial security, help minimize estate taxes and probate, and provide continuity and professional management of your estate’s assets. Our investment management and trust professionals can tailor financial plans that will reduce taxes and achieve competitive long-term investment performance.

We are skilled in administering all types of trusts, including:

  • Living trusts
  • Marital and bypass trusts
  • Life insurance trusts
  • Trusts for minors
  • Generation-skipping trusts
  • Charitable trusts

We also offer estate settlement services. As executor or personal representative, we essentially serve as financial manager of your estate. We handle probate, tax and other administrative work for your estate with professionalism and sensitivity – and without unnecessary delay.

Solutions for Employers

S&T Wealth Management specializes in designing, administering and managing the assets of pension and other tax-advantaged retirement plans for businesses, professional practices and not-for-profit organizations. We recognize that no two plan sponsors have the same objectives or expectations for their plan.

That’s why our professionals will work with you to develop an investment approach and administrative support system customized to meet the needs of your participants and ensure that your fiduciary responsibilities are fulfilled. At every stage in this process, we solicit feedback from you concerning your objectives and any investment preferences you might have. Once we fully understand your plan’s investment requirements, we will then develop specific investment strategies designed to meet those objectives and to satisfy all fiduciary requirements.

Our trust administration services can provide your plan with state-of-the-art recordkeeping, reporting and custody services.

Serving the Not-for-Profit Community

Not-for-profit organizations can only succeed in their missions if they have the financial resources to carry out their work. Their investments need to deliver above-average, risk-adjusted returns to help fund day-to-day operations as well as long-term goals. The need for knowledgeable investment management services is obvious.

Our professionals understand the challenges that confront public charities and private foundations. They can carefully review both the opportunities and risks presented by different types of short- and long-term investments. Our commitment to fully understanding your organization’s risk parameters and investment goals means that we can offer your not-for-profit investments targeted to its needs.

Your not-for-profit can choose, when appropriate, from fixed-income and equity investments that seek to attain competitive returns across a range of market conditions. We also can provide short-term investment alternatives that are designed to help meet liquidity objectives. And if your investment policy stipulates that your not-for-profit must invest only in socially responsible investments, we can help here too.

Our knowledge of endowment management and concepts such as spending policies and restricted versus unrestricted funds has enabled us to help numerous organizations over the years. We recognize that endowment assets must consistently produce returns that permit the endowment to retain its purchasing power after annual payouts and inflation are considered. Our investment professionals can structure portfolios designed to achieve these goals.

Moreover, we can work with your organization to develop and implement charitable giving programs.

We offer charities and foundations:

  • Investment management
  • Custody
  • Cash management

Stewart Capital Advisors, an SEC-registered investment advisor, performs all portfolio management, research, and trading functions for S&T Trust clients. For more information, please visit stewartcap.com.