||Financial Services Designed to Meet Your Needs
Trusts and Estates
Saratoga National Bank
& Trust Company helps individuals and families
define and achieve their financial goals by fashioning investment
and estate planning solutions tailored to their own, very special
• Investment Management Accounts:
Our investment management professionals manage a wide range of individual,
institutional and charitable accounts. Each client’s portfolio
is handled based on their stated objectives, tolerance for risk,
and tax circumstances.
• Living Trusts: This
is an exceptional way to have your financial affairs, including
the management of your investment portfolio, remain orderly in the
event of your incapacitation. It can also continue beyond your lifetime
without the delay of the probate process to benefit your survivors.
• Trusts Under Will:
A trust created under a will provides continuing asset management
for your beneficiaries with all administrative and investment burdens
placed in the hands of your trustee.
• Charitable Trusts: An
appropriately planned charitable gift can provide you and your heirs
with significant tax and other benefits while providing a financial
reward to the charity of your choice.
• Standby Trusts: A standby
trust provides all the safety and security of a trust while you
retain control over the investment of your assets. When you are
no longer willing or able to perform the duties of Trustee, then
Saratoga National Bank will step in to undertake these duties.
• Estate Settlement: Saratoga
National Bank & Trust Company understands the broad responsibilities
that an executor bears and we are well qualified to carry out those
• Personal Retirement Plans:
We offer several retirement plans to individuals, including
Individual Retirement Accounts (IRAs) and Keogh Plans. IRA Rollover
Accounts can be established for lump-sum distributions from employee
benefit plans upon retirement or termination of employment.
• Corporate and Non-Corporate Retirement
Plans: Saratoga National Bank offers management of pensions,
profit-sharing and 401(k) plans and other types of retirement plans