Personal Financial Planning

Feel the confidence that comes with a well-constructed plan

Consider every aspect of your financial life

Financial planning is more than just numbers on a page. It's an opportunity to realize your dreams, look forward to a great retirement, provide security for your family, leave a meaningful legacy and much more.

A simple conversation is all it takes to begin developing a strong financial plan. Working with your BB&T Wealth advisor, your Financial Planning Strategist will conduct an in-depth analysis of your financial circumstances and offer integrated solutions tailored to support your unique goals and aspirations.

Evaluation

We begin by listening to you and considering key questions such as:

  • Am I on track to reach my goals?
  • When can I retire?
  • How much money do I need to ensure that I can live the life I want in retirement?
  • How do I protect myself and/or my family in the event of the unexpected?
  • Can I spend my money on the things that truly matter to me?
  • What sort of legacy do I want to leave for my family?

Recommendations

We provide recommendations in the following areas where applicable:

  • Net worth and cash flow
  • Equity compensation and benefits analysis
  • Investment planning
  • Estate and gift planning
  • Income tax planning
  • Charitable planning
  • Retirement planning and benefits review
  • Risk management and asset protection

Benefits

The following benefits result from thorough financial planning:

  • Future needs – Future financial needs become transparent and understood
  • Adequate time – Time to arrange for any needed financing reasonably in advance, and avoiding the unnecessary panic of arranging the financing
  • Assurance – Assurance that your goals are properly managed and within a realistic framework
  • Financial control – Protection against and reducing the impact of an unforeseen financial crisis
  • Reducing taxes – Reducing taxes by allocating income and assets more effectively
  • Investing in a profitable portfolio – Simplifies the ability to increase cash flow and make good investment decisions when allocating financial assets
  • Outline a healthy financial future – By estimating retirement income and expenses, you can begin to determine the amount needed to save to meet retirement goals

Simplify your increasingly complex financial life

As your responsibilities increase, so do the intricacies of your financial needs. Peace of mind comes from knowing a dedicated team of professionals is working together to keep you on the right path—your path.

Our four-step approach begins with in-depth conversations and results in an integrated action plan that grows and matures as your financial needs and objectives change.

Step 1: Assess your needs

We invest the time up front to fully understand your current situation, goals for the future, the people and causes you care about, and how you want to use your assets.

Step 2: Structure your plan

Based on the information you share, we review your goals, resources, priorities and areas of focus to create a highly customized, fully integrated financial strategy as distinctive as you.

Step 3: Assemble your team

You're supported by a dedicated team of BB&T specialists representing each area of financial expertise. Each member brings specialized knowledge and insights to optimize resources and enhance outcomes.

Step 4: Monitor your results

As part of our long-term commitment to you, we continuously monitor your plan's performance, recommend adjustments as needed, and meet with you on a regular basis.

Ready to take the next step?

Schedule appointment

Choose a time for an advisor to call you.

Call now

Speak with an advisor.

800-228-9798

Still exploring?

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Integrated services

Your BB&T Wealth advisor will help you create a comprehensive, strategic plan to integrate and coordinate your banking, credit, investments, risk management, and trust and estate planning services.

Business Transition Planning

Prepare for the next phase of your life with a solid plan that allows for a smooth and successful transition of your business.

Retirement and Investing

Bring your short- and long-term financial goals into focus with customized planning and investment strategies as well as self-directed services.

Risk Management

Learn how to protect your wealth with insurance options that suit your needs.

Trust and Estate Planning

Understand your options for building and protecting your legacy with estate planning, charitable gifting and trust services.

Only deposit products are FDIC insured.

Traditional banking services are provided by Truist Bank, Member FDIC.

Investment and Insurance Products:

• Are not FDIC or any other Government Agency Insured • Are Not Bank Guaranteed • May Lose Value

Truist, BB&T®, BB&T Securities®, BB&T Sterling Advisors, Sterling Capital®, BB&T Investments, BB&T Scott & Stringfellow®, SunTrust®, SunTrust PortfolioView, SunTrust Robinson Humphrey®, SunTrust Premier Program®, AMC Pinnacle®, AMC Premier®, Access 3®, Signature Advantage Brokerage, Custom Choice Loan®, SunTrust SummitView® and GFO Advisory Services® are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc. and BB&T Securities, LLC, and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency where applicable.  Investment advisory services are offered by SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, Precept Advisory Group, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers.  BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow are divisions of BB&T Securities, LLC.   Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.

The information contained herein is for informational purposes only and does not represent an official statement of your SunTrust Investment Services, Inc. account. Please refer to your monthly or quarterly statements for a complete record of your transactions, holdings, and balances.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.

McGriff Insurance Services, Inc., and McGriff Seibels & Williams, Inc., are subsidiaries of Truist Insurance Holdings, Inc.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor and/or attorney regarding your individual circumstances.

New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.

Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.

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