SunTrust Investment Process

Our Investment Process

Every investor’s financial situation is different. That is why you won’t find a “one size fits all” approach to investment management at SunTrust. Instead, we build customized investment solutions designed from the ground up around you and your personal financial goals. You’ll benefit from an institution with experience gained through managing generations of client wealth for over a century. Working together, we will identify opportunities, navigate obstacles and help you achieve your goals through our Discover, Develop, Determine and Deliver investment process.

Discover your investment objectives

Discovery is the first step in our investment process. Your SunTrust team will ask relevant questions to gain a deep understanding of your goals and objectives. We gather detailed information about:

  • Needs and preferences
  • Sources of wealth and income
  • Wealth-transfer aspirations
  • Return expectations and time horizon
  • Tax and legal conditions
  • Risk tolerance

Understanding you as an investor lays the groundwork for developing a customized investment solution.

Develop an investment strategy

Once your goals are clearly identified, your SunTrust advisor will create an Investment Policy Statement documenting your investment objectives, asset allocation, and investment guidelines. This important document will serve as our roadmap and will guide the management of your investment portfolio.

Determine investment solutions

Next, your SunTrust team will identify investment solutions most appropriate to meet your goals and objectives. The right investment portfolio for you may include allocations to asset classes and strategies using mutual funds, exchange-traded funds, nontraditional investments, hedge funds and individual stocks and bonds.1, 2

Ongoing Management and Communication

Your SunTrust advisor stays in touch with you on a regular basis to discuss your portfolio, as well as the implications of economic and market changes. As appropriate, we may also make adjustments to your portfolio based on opportunities and/or risks we see in the market place or due to changes in your financial goals and objectives.

Disclaimers

1Diversification does not ensure against loss.

2May be offered through SunTrust Investment Services, Inc. Investing involves fluctuating returns and the potential loss of principal.

Investment and Insurance Products:

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

© 2017 SunTrust Banks, Inc.

Equal Housing SunTrust Bank is an Equal Housing Lender. Member FDIC.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., and GenSpring Family Offices, LLC, each of which is registered as an investment adviser with the U.S. Securities and Exchange Commission. Mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1‐800‐634‐7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB‐989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1‐888‐473‐4858, MA: Mortgage Lender license #‐ML‐2915, NJ: Mortgage Banker License ‐ New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust 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, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at www.suntrust.com\investmentinfo.

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