Santander Investment Services

Santander Investment Services - Santander

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Investment Disclosures

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Disclosures

Welcome to Santander
Investment Services

You have a vision of where you want your hard work to take you. Our investment solutions can help that vision become a reality. Through our partnerships with the largest and most experienced fund managers in the industry, we can give you access to portfolio managers and investment products that fit your strategy. Together, we ll work to create a personalized plan for your goals.

Partnerships with the largest and most experienced fund managers in the industry

Globally diversified funds and
comprehensive portfolios

In-depth understanding of the global economy

Our planning process

Step 1

We help set your goals

You’re at the heart of everything we do, so we’ll start by understanding your life stage and discuss your goals.

Step 2

Focus on your objectives

To keep your goals on track, we attempt to manage risk while focusing on gains by working with investment company and portfolio managers.

Step 3

Develop a unique strategy

Whether you’re investing for the short term or long term, we’ll build a financial plan around you.

Step 4

Support with regular

check-ins

We know your goals may change, so we’ll check in to better support you.

Invest in a way that works for you

Work 1-on-1 with a
Financial Advisor

Work with a Financial Advisor to create a personalized financial strategy. Our dedicated advisors will take the time to understand your goals and create a comprehensive portfolio.

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Automate your investing with Santander® PathFinder

Say hello to Santander^® PathFinder - our new automated investment tool that uses advanced technology to build and manage a diversified portfolio that’s designed to align with your goals and risk preferences. Santander PathFinder will monitor your portfolio daily and automatically rebalance it when needed, to help you stay on track. You’ll be able to speak to a Santander Investment Services Financial Advisor if you need human support. Learn more about how Santander PathFinder can be a part of your investment strategy. Currently available to Santander clients enrolled in online banking.*

Learn more

Investment services to
help meet your goals

Investment services

Working with you, we’ll create tailored plans to help fit your goals and provide consistent support along the way.

Retirement planning: Create a personal or business retirement plan to help create security for yourself or for your employees.

Try our retirement calculator. Are you in the retirement Confidence Zone? What is your Probability of Success?

College funding: Set up a 529 education savings plan, which may offer a tax-advantaged way to finance higher-education costs.

Portfolio management: Build a diversified portfolio to help meet your goals and match your risk tolerance.

Income planning: Create a strategy that considers tax implications and shields your lifetime earnings.

Investment options

Choose the right options with unlimited guidance from our experienced Financial Advisors.

Asset allocation: We’ll help you build investment strategies to balance risk with the potential for better returns.

Advisory accounts: We offer customized investments that allow you to invest in a diversified portfolio of professionally managed, institutional-quality investments. This requires an initial minimum investment of $25,000.

Mutual funds: We partner with the largest and most experienced fund managers in the industry to give you access to funds that cover a range of markets, opportunities, and risk tolerances.

Fixed income: We offer investment securities that can pay a fixed interest or dividend until their maturity date.

Insurance: We review any existing policies and identify a strategy for your life insurance needs that is consistent with your financial plan.

Annuities: We offer investment options that protect against uncertainties like market performance and inflation rates.

A laptop with Santander’s Global Market Outlook on screen.

Make smarter
investment desicions

Read our Global Market Outlook for in-depth market research and analysis of recent economic trends.

See Global Market Outlook

FAQs: 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.

How does Santander use a financial plan to help me?

We review your plan to analyze the projected data and determine your current financial situation. This allows us to advise you on your roadmap. It also helps us make specific recommendations. For instance, if your current portfolio is concentrated in one specific market sector, a recommendation might be to diversify the portfolio to reduce risk.

Finally, it helps us to conduct annual reviews with you, to track your progress. Changes in your life today often will change your goals for tomorrow. It’s important to continually update your plan to ensure your goals and concerns are being addressed.

My needs are very simple at this point—should I still have a financial plan?

Although your current needs may not seem complex and you have a long time horizon, the sooner you begin planning, the more that time works in your favor. The later you start financial planning, your time horizon works against you.

How can I use financial planning to enhance my charitable giving strategy?

One of the benefits of financial planning is to help identify a financial goal, like charitable giving, and prioritize it so that it can be accomplished along with your other goals. Beneficiaries, legacy, trusts, and other giving strategies may be appropriate.

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.)?

Santander Investment Services Line
Call us today at 866-736-6475 for assistance. 9 a.m. – 5 p.m. Eastern Time, Mon-Fri.

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Accessibility service

Customer Service: 866-736-6475 (Hearing- and speech-impaired customers may access that number via relay service by calling 7-1-1 or their preferred relay service).

Customers with disabilities who wish to receive statements in alternative formats such as large print statements may call Customer Service at 866-736-6475.

Accommodations at branch locations

Customers with disabilities who may require other accommodations at branch locations may contact Santander Bank's Customer Service Center at 877-768-2265. Hearing- and speech- impaired customers may call 7-1-1 or their preferred relay service.

*This service is currently only available to existing Santander Bank customers. To learn more about Santander® PathFinder, please call 844-683-7848 to speak to a Santander Investment Services Financial Advisor. To become a Santander Bank customer, please go to www.santanderbank.com to learn more about our products and services, and to open an account. Or, visit your local branch to speak with a banker. We hope to make this service available to all in the near future.

Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, Member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. Santander Investment Services is an affiliate of Santander Bank, N.A.

INVESTMENT AND INSURANCE PRODUCTS ARE:
NOT FDIC INSURED	NOT BANK GUARANTEED		MAY LOSE VALUE
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY		NOT A BANK DEPOSIT

Santander Securities LLC U.S. registered representatives may only conduct business with residents of the states in which they are properly registered. Please note that not all of the investments and services mentioned on this website are available in every state.

The content on this website is intended for information/educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation to buy or sell any security or investment product. The information on this website does not constitute either tax or legal advice. Investors should consult with a financial, tax, or legal professional regarding their individual situation.

Investments are subject to risk, including the loss of principal. Because investment returns and principal values fluctuate, shares may be worth more or less than their original value. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results.

Third-party links are provided to you as a courtesy. We make no representation as to the completeness or accuracy of information provided at these websites. Information on such sites, including third-party links contained within, should not be construed as an endorsement or adoption by Santander Securities LLC or Santander Investment Services of any kind.

SSLLC is registered with the Securities and Exchange Commission (SEC) and Municipal Securities Rulemaking Board. An investor brochure that describes the protections available under MSRB rules and instructions on how to file a complaint with an appropriate regulatory authority can be found on the MSRB website at www.msrb.org.