Are you looking for a partner to manage your investments? Trustco Banks’s Financial Services Department is here for you. With low entry points, we make investing accessible to more people with the same level of personal service. Our commitment to your financial goals is another example of how the best keeps getting better. Choose Trustco Bank for your money management needs. Here for you for over 120 years. Come home to Trustco, your Home Town Bank.

Meeting Your Needs

You're unique. Your investment and financial needs require a distinctive and individualized approach to wealth management and financial planning. Whether your goals are immediate or long term, the professionals at Trustco Wealth Management are dedicated to protecting your wealth and managing its growth by utilizing prudent, time-tested techniques. Our financial planners, in concert with your attorney and/or accountant, work with you to design a plan that meets your current and future financial needs.

Detailed and skillful planning begins with questions related to your financial situation and goals

  1. Do you have a Will that effectively passes your wealth to your family or favorite charitable organizations?
  2. Does your investment portfolio balance income and growth with an appropriate level of risk?
  3. Do you own special assets, such as an investment real estate, that requires special estate planning measures?
  4. Does your financial plan take advantage of current opportunities to reduce the impact of estate taxes?

For answers to these questions and further information, contact a Trustco Wealth Management representative today, or contact us at 1-800-670-3110 or 518-381-3643.

Trustco's Commitment.

The delivery of Investment and Trust Services has changed dramatically in recent years. At brokerage firms and "big banks," customers with less than $1,000,000 are rarely afforded the benefit of a portfolio of individually selected and managed securities, and are instead delegated to a family of mutual funds.

Trustco Wealth Management remains committed to providing personalized investment management, trust administration and estate settlement. Begin enjoying the benefits of competitive investment performance, accurate trust and estate administration, and personalized customer care with Trustco Wealth Management.

A Bank Built on Trust.

For over 120 years, Trustco Bank has played an integral role in the creation, growth, preservation, and ultimate transfer of our clients' wealth. The Trustco Wealth Management Group has made a commitment to creating successful investors by listening to our clients' concerns and goals and conducting regular assessment and planning discussions.

Let over 150 years of combined experience work to your advantage, while our planning and investment professionals

  • Analyze and guide you in reaching your financial goals

  • Monitor your investment portfolio to ensure appropriate asset allocation and diversification

  • Plan for your retirement

  • Administer your Trust and protect your assets

  • Plan for the tax-efficient transfer of your wealth

Financial Tips

Below are a few tips from Trustco Banks Administrative Vice President of Wealth Management, Patrick LaPorta, Esq. Click on the files below to hear Patrick talk about each of these topics. If you have additional questions or would like to learn more, contact a Trustco Wealth Management representative today, or contact us at 1-800-670-3110 or 518-381-3643.

1. Estate Planning

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. Estate planning is not a topic many people want to think about or plan for. However, planning now could potentially save your estate and family members significant amounts of money. It’s critical to have the proper planning documents and know who you’ll entrust to carry out your wishes and settle your estate.

Whether you have a will or trust in place, choosing your executor or trustee is a very important decision. Even if you already have these documents, it’s still important to review them periodically to make sure they meet your goals and intentions. For over 100 years, Trustco Bank’s Financial Services has been administering trust and estates and giving our clients and their loved ones peace of mind. Come home to Trustco, your hometown bank, and give me a call at 1-800-846-1657 and let’s meet and discuss how Trustco Bank’s Financial Services can help you.

*Not FDIC insured. May lose value. No bank guarantee.

You can also listen to the audio file below to hear the above part of the speech.

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. Estate planning is not a topic many people want to think about or plan for. However, planning now could potentially save your estate and family members significant amounts of money. It's critical to have the proper planning documents and know who you'll entrust to carry out your wishes and settle your estate. Whether you have a will or trust in place, choosing your executor or trustee is a very important decision. Even if you already have these documents, it's still important to review them periodically to make sure they meet your goals and intentions. For over 100 years, Trustco Bank's Financial Services has been administering trust and estates and giving our clients and their loved ones peace of mind. Come home to Trustco, your hometown bank, and give me a call at 1-800-846-1657 and let's meet and discuss how Trustco Bank's Financial Services can help you. *Not FDIC insured. May lose value. No bank guarantee.

2. Asset Allocation

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. Investing today can be very intimidating and difficult for many. One of the most important investment decisions you can make is not which stock or mutual fund to buy, but the best investment mix for you. This is referred to as asset allocation and it’s critical in developing and maintaining an investment strategy to meet your goals.

How much you hold in stocks, bonds, and cash will have the greatest impact on your portfolio’s return. Whether you have funds in a 401K account or brokerage account, the asset allocation should be reviewed on a regular basis just like a routine check up with your doctor. At Trustco, we work closely with our clients to ensure that as their needs change, their investments reflect those changes. Come Home to Trustco your hometown bank and give me a call at 1-800-846-1657 for a free review of your investments.

*Not FDIC insured. May lose value. No bank guarantee.

You can also listen to the audio file below to hear the above part of the speech.

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. Investing today can be very intimidating and difficult for many. One of the most important investment decisions you can make is not which stock or mutual fund to buy, but the best investment mix for you. This is referred to as asset allocation and it's critical in developing and maintaining an investment strategy to meet your goals. How much you hold in stocks, bonds, and cash will have the greatest impact on your portfolio's return. Whether you have funds in a 401K account or brokerage account, the asset allocation should be reviewed on a regular basis just like a routine check up with your doctor. At Trustco, we work closely with our clients to ensure that as their needs change, their investments reflect those changes. Come Home to Trustco your hometown bank and give me a call at 1-800-846-1657 for a free review of your investments. *Not FDIC insured. May lose value. No bank guarantee.

3. Retirement Planning

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. The two most important variables when investing is the power of compounding interest and the power of time. Some may say I don’t have enough money to invest or I am starting too late. Just remember, it’s never too late to start investing and it’s never too small of an amount to invest.

We all see and hear advertisements and commercials for retirement every day. But how many of you have sat down and established a plan for you to retire? For over 100 years, Trustco has been working with individuals such as yourself, providing sound financial guidance in helping them develop and put in place a sound plan to help them achieve their goals. Come home to Trustco, your hometown bank and give me a call at 1-800-846-1657. And let’s meet and review your retirement plan. And if you don’t have one, we’ll work together to develop one for you.

*Not FDIC insured. May lose value. No bank guarantee.

You can also listen to the audio file below to hear the above part of the speech.

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. The two most important variables when investing is the power of compounding interest and the power of time. Some may say I don't have enough money to invest or I am starting too late. Just remember, it's never too late to start investing and it's never too small of an amount to invest. We all see and hear advertisements and commercials for retirement every day. But how many of you have sat down and established a plan for you to retire? For over 100 years, Trustco has been working with individuals such as yourself, providing sound financial guidance in helping them develop and put in place a sound plan to help them achieve their goals. Come home to Trustco, your hometown bank and give me a call at 1-800-846-1657. And let's meet and review your retirement plan. And if you don't have one, we'll work together to develop one for you. *Not FDIC insured. May lose value. No bank guarantee.

4. Your Retirement Years

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. The two most important variables when investing is the power of compounding interest and the power of time. Some may say I don’t have enough money to invest or I am starting too late. Just remember, it’s never too late to start investing and it’s never too small of an amount to invest.

We all see and hear advertisements and commercials for retirement every day. But how many of you have sat down and established a plan for you to retire? For over 100 years, Trustco has been working with individuals such as yourself, providing sound financial guidance in helping them develop and put in place a sound plan to help them achieve their goals. Come home to Trustco, your hometown bank and give me a call at 1-800-846-1657. And let’s meet and review your retirement plan. And if you don’t have one, we’ll work together to develop one for you.

*Not FDIC insured. May lose value. No bank guarantee.

You can also listen to the audio file below to hear the above part of the speech.

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. The two most important variables when investing is the power of compounding interest and the power of time. Some may say I don't have enough money to invest or I am starting too late. Just remember, it's never too late to start investing and it's never too small of an amount to invest. We all see and hear advertisements and commercials for retirement every day. But how many of you have sat down and established a plan for you to retire? For over 100 years, Trustco has been working with individuals such as yourself, providing sound financial guidance in helping them develop and put in place a sound plan to help them achieve their goals. Come home to Trustco, your hometown bank and give me a call at 1-800-846-1657. And let's meet and review your retirement plan. And if you don't have one, we'll work together to develop one for you. *Not FDIC insured. May lose value. No bank guarantee.

5. Bill Payment Services

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. It is not uncommon at some point to be in a position for caring for an elderly parent. When you’re caring for a parent, there are so many demands. Are they in a safe environment? Are they getting the proper care? And are they happy? On top of all this, you have to take care of their financial affairs, making sure they have enough money that their investments are proper and that their bills are being paid on time. In addition, you have the demands of your job, your own personal life, and that of your family. This is overwhelming and stressful, to say the least. At Trustco, we’ve been working with individuals like you for over 100 years, providing financial advice to individuals and their families, handling the investments and making sure the bills are paid on time. Come home to Trustco, your hometown bank, and call me, Pat LaPorta, at 1-800-846-1657 and let’s meet and discuss how Trustco Bank’s financial services can help you.

*Not FDIC insured. May lose value. No bank guarantee.

You can also listen to the audio file below to hear the above part of the speech.

Hi. This is Pat LaPorta, Administrative Vice President of Financial Services at Trustco Bank. It is not uncommon at some point to be in a position for caring for an elderly parent. When you're caring for a parent, there are so many demands. Are they in a safe environment? Are they getting the proper care? And are they happy? On top of all this, you have to take care of their financial affairs, making sure they have enough money that their investments are proper and that their bills are being paid on time. In addition, you have the demands of your job, your own personal life, and that of your family. This is overwhelming and stressful, to say the least. At Trustco, we've been working with individuals like you for over 100 years, providing financial advice to individuals and their families, handling the investments and making sure the bills are paid on time. Come home to Trustco, your hometown bank, and call me, Pat LaPorta, at 1-800-846-1657 and let's meet and discuss how Trustco Bank's financial services can help you. *Not FDIC insured. May lose value. No bank guarantee.

Non-deposit investment products.

Wealth Management Resources

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Why You Should Open A Health Savings Account

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Estimating Gift Tax Liability If you make any gifts [...]

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Estate Tax Resource

Estate Tax

Any U.S. citizen who leaves an estate (plus adjusted taxable gifts) in excess of the estate and gift tax basic exclusion amount

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