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

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Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory 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, insurance (including annuities) and investment advisory products and services are offered by SunTrust Investment Services, Inc., a SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services LLC, SunTrust Investment 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.

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"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 SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services; SunTrust Advisory Services LLC, a SEC registered investment adviser which provides Investment Advisory services.

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