Set your goals
and then achieve them

A complimentary financial plan through Santander Investment Services can help you better prepare for emergencies in the short term, and enjoy a stress-free retirement in the long term.

Why is a financial plan so important?

When you work with a Financial Advisor from Santander Investment Services, you'll receive tailored advice for each stage of your financial journey. We can help optimize your finances to ensure your money is working its hardest for you. We can even assist with savings, tax, and insurance strategies.*

FAQ: Investments

What is a financial plan and why is it important for my financial goals?

A financial plan is a personalized roadmap for achieving your financial goals and it's an important tool to help keep your investments on track.
At Santander, we conduct a comprehensive analysis of your current financial situation, then we'll work with you to create a plan for your goals, whether it's for a big purchase, securing your retirement, or for growing your rainy-day fund. Your plan will highlight ways to reach your goals, like reducing spending, changing your investment strategy, or saving more.

A personalized plan can cover a range of concerns, including generational wealth transfer, investment planning, incapacity planning, education funding and income planning. It will also consider your prioritized goals, such as building a tax efficient income plan or creating a custom investment strategy based around personalized risk levels.

Could I earn income from investments, or are investments for savings only?

Yes, you choose whether you want to focus on income or growth with your investment dollars, or a combination of both.  A Financial Advisor can show you various ways to assist with this goal.

What should I expect to bring to a financial planning meeting?

•  Assets: Financial statements from investment accounts, bank account detail information
•  Liabilities: Outstanding debt obligations, mortgage, HELOC, student loan, personal loan, car loans
•  Monthly payments: Broken down by principal and interest
•  Income: Pre-retirement: salaries, rental income, etc.
•  Retirement Income: Social Security payments, pension payments, etc.
•  Expenses: What are your current monthly expenses? Will these expenses increase during retirement (travel, moving, etc.)?

Will I be able to get answers about long-term care or life insurance?

Yes, our Financial Advisors are fully licensed to provide insurance advice and alternatives appropriate for your family and your goals.

Isn't investing risky?

Investing involves risk. Your Santander portfolio is based in part on your comfort with, and ability to tolerate, risk. For example, you may have a high comfort with risk (you’re okay with big market downturns while seeking a better return in the long run). Alternatively, because of your income, spending needs, or age, you may not be able to tolerate big market swings. Santander Investment Services offers investments that are appropriate for many different risk tolerances. Your Financial Advisor will take your risk tolerance into consideration when making investment recommendations.

Can I make automatic contributions to my investment account each month?

Yes, you can set up automatic monthly contributions to your investment account from linked bank account(s). This is one way to help continue growing your money and may reduce the effort required to meet your financial goals.

Set your goals
and then achieve them

Why is a financial plan so important?

Our planning process

Not sure which plan you want?

Getting started is easy

Financial advice to reach your goals faster

FAQ: Investments

Set your goalsand then achieve them

Why is a financial plan so important?

Our planning process

Not sure which plan you want?

Getting started is easy

Financial advice to reach your goals faster

FAQ: Investments

Set your goals
and then achieve them