Wealth Management

At the heart of Seaside’s Wealth Management approach is our open architecture model, where we place a strong emphasis on full and transparent disclosure of our fees and services. In turn, our Wealth Management experts are equipped to work across multiple platforms from financial planning to unbundled fiduciary services.
 

Selecting an Advisor

Customized Solutions

Wealth Management Services

Portfolio & Advisory Services

Seaside Wealth Management provides customized portfolio management and investment advice to clients with a wide variety of investment objects and risk tolerances. Unlike many other banks and financial service firms, Seaside Wealth Management embraces an open architecture in the selection process of asset managers. This means that we do not offer internally produced asset management products. We believe that it is difficult to be objective and maintain our clients' best interest if we sell our own products. Instead, we focus our considerable resources and talent on researching and selecting the asset mangers who are best able to accomplish your unique financial goals and individual needs. In constructing your portfolio we may engage:
  • Separate Account Managers
  • No Load Mutual Funds
  • Exchange Trade Funds
  • Alternative Investment Strategies

Custody Services

Seaside offers a wide variety of custody services to our clients including:
  • Safekeeping of assets
  • Low cost trade settlement
  • Collection of income
  • Processing corporate actions
  • Pricing of securities positions
  • High Yielding money fund sweep vehicles for cash balances
  • Customized performance tracking capabilities
  • Principal and income reporting

About Seaside Elite Process

We have created an approach for managing your wealth that is unique in the market. We call our style "Seaside Elite." Seaside Elite is a simple term used to describe the four-stage program that drives our investment process: Client Discovery, Asset Allocation, Asset Manager Selection and Controlling & Monitoring. Our customized style yields unique, needs-based solutions designed specifically for your financial goals and desires. One of the most significant ways we're different from the vast majority of financial advisors is that we do not offer any internally produced investment products to our clients. We believe that it is impossible to be objective and represent our clients' best interests if we sell our own products. Instead, we focus our considerable resources and talent on researching and selecting those asset managers who are best able to accomplish your unique financial goals. We may find those resources in large nationally recognized investment firms or in small regional boutiques. While Seaside Elite is a formal approach to investing, it is fluid in its execution. We will lead you through each of the four steps within Seaside Elite with varying degrees of input and assistance, depending on your comfort level and desires.

Trustee Services

Control the management of your assets today, while providing financial security for your family. A trust is an effective tool for managing your assets during your lifetime and for the benefit of your loved ones after you are gone. A trust ensures that your assets will be managed in the future according to your wishes, as well as providing significant tax advantages to help you preserve those assets in the present. When you name Seaside as your trustee, you and your beneficiaries enjoy the knowledge and expertise of a breadth of specialists in such fields as:
  • Taxation
  • Investment Research and Management
  • Securities Trading
  • Real Estate
  • Family Business
  • Estate Settlement Services
  • Guardianship

About Financial Planning

Your financial affairs are complex. As one area of your financial situation changes, it directly impacts others. Seaside has experienced professionals on staff to help perform a thorough analysis. This analysis will create your complete picture while supporting your goal.

Comprehensive Financial Planning

By understanding your individual objectives, we can help select investment alternatives and services suited to meet your financial needs and your tolerance for risk. We will consistently review portfolio and design strategies that can help manage your wealth and preserve your income, while addressing any individual investment issues you may have.

Retirement Planning

We can help you choose investment alternatives that guide you through the changes in your life that can affect your retirement savings, as well as assist in preserving your income for the future.

Educational Planning

We'll develop a strategy that is right for you and your family, helping you prepare for the rising cost of education with options such as a 529 plan or a Coverdell Education Savings Account.

Estate Planning

Whether it's providing income for a spouse, educating children or grandchildren, or leaving money to a favorite charity, we will help you develop an estate plan or a trust that allocates your assets the way that you want.

Business Succession

We can help you accomplish tax planning, executive insurance and investment planning, as well as assist you in your employee benefits decisions.

Protection Planning

We can help calculate your life insurance needs, factoring in future changes in your finances and the rate of inflation.

About Insurance

Seaside Bank and Trust owns and operates Seaside Insurance. Seaside Insurance is an independent insurance agency focused on providing our clients with insurance solutions tailored to fit their specific needs. We do not offer any proprietary investment products; instead, we operate as an independent agency. Seaside Insurance will perform a prudent analysis of all aspects of your current personal insurance plans to assure you have adequate coverage, proper ownership and beneficiary structure. We will also do a cost comparison to ensure you are receiving a good value on your policy. Whether you are considering new coverage, additional coverage or simply want a review of your existing policies, Seaside Insurance can provide you with the guidance you need to make an informed decision. Seaside Insurance offers a wide variety of insurance offerings including:
  • Life Insurance
  • Key Man Insurance
  • Term life
  • Universal life
  • Fixed annuities
  • Disability
  • Long-term care
  • Split dollar plans
  • Buy/Sell life insurance

Retirement Plan & 401(k) Services

  • Plan Review and Consultation
  • Coordination of Plan Service Providers
  • Risk Management Solutions
  • Employee Education
  • Unbundled Approach

Employee Benefit Services

  • Group Plans: Medical, Dental & Vision
  • Group Ancillary (Life, AD&D, STD, LTD)
  • FSAs/HSAs/HRAs
  • COBRA Administration
  • Customized EB Website
  • EB Consultation and Benefit Management

Executive Planning Services

  • Executive Compensation
  • Business Succession Planning
  • Risk Management Solutions

Treasury Management & Depository Services

Payments
  • ACH Origination
  • Wire Transfer (domestic and international)
  • Online Payroll and Bill Payment
  • Purchasing
  • Credit and Debit Cards
  • Fraud Prevention Services

Receivables
  • Lockbox
  • Remote Deposit Capture
  • Cash Vault Services
  • Merchant Credit/Debit Card Processing
  • Steve Hayworth, Vice Chairman

    P 305.779.2310 | shayworth@seasidebank.com

    Steve Hayworth

    In his roles as Vice Chairman of Seaside Bank and Trust and Chairman and Chief Executive Officer of Seaside Insurance, Steve is responsible for the oversight of Seaside’s Wealth Management, Trust and Fiduciary and Insurance solutions. Prior to Seaside, Steve was responsible for the initial capital raise to purchase a Florida-based private bank and trust company. Steve led the institution’s growth and expansion, which resulted in its 2005 sale to a financial holdings company, and in 2009, he led the capital raise to repurchase and further capitalize the institution. Steve continued to lead the institution's growth until his departure in May of 2012.

    MBA from University of Miami | Bachelor of Science from University of Central Florida

  • Philip Rich, Chief Market Strategist

    P 407.567.2246 | prich@seasidebank.com

    Philip Rich

    Philip was previously a Senior Vice President and Managing Director of a large regional Registered Investment Advisor. In this role, Philip was responsible for Institutional Investment Sales in Florida, including sales of Endowments and Foundations Services and Retirement Services. Mr. Rich was responsible for the development of a Rollover Solution Center, a specialized advisory group designed to serve the needs of participants transitioning out of 401(k) plans.

    MBA from Rollins College | Bachelor of Arts from Rollins College

  • Nora Bagby, Director of Wealth Management Services

    P 407.567.2202 | nbagby@seasidebank.com

    Nora Bagby

    Prior to joining Seaside, Nora served as a Private Client Advisor and a Trust Business Development officer at a large regional financial institution. She was responsible for the management of individual and corporate investment portfolios totaling over $75 million in assets under management.

    Bachelor of Science from University of South Florida
    Northern Trust School Series 7 License | Life, Health and Variable Annuity Licensed

  • Ben Johnson, CFA, Wealth Strategist

    P 407.567.2260 | bjohnson@seasidebank.com

    Ben Johnson

    Ben has performed equity analysis through fundamental techniques as well as technical analysis and charting methods. He has worked at several different companies before coming to Seaside including Coca-Cola, Walt Disney, and Newell Rubbermaid.

    MBA from University of Central Florida | Master and Bachelor of Science from Georgia
    Institute of Technology | Chartered Financial Analyst (CFA)

  • Stuart Scott, Wealth Strategist

    P 407.567.2216 | sscott@seasidebank.com

    Stuart Scott

    In August of 2006, Stuart was among the first hired at Seaside and was instrumental in the creation of Seaside Wealth Management. Prior to Seaside, Stuart served as the Florida Group and Central Florida Regional Manager at a large regional financial institution where he oversaw 5 regions and 180 investment consultants and had direct oversight of a retail investment operation that was comprised of 64 investment consultants and staff.

    Bachelor of Arts from Framingham State College
    American Banking Association’s National Trust School Graduate

  • Adam Martin, CFA, Investment Analyst

    P 407.567.2245 | amartin@seasidebank.com

    Adam Martin

    After joining Seaside, Adam has taken on the responsibility of daily management of most client accounts, equity analysis and research of existing and new investment opportunities, and ensuring Seaside meets regulatory compliance obligations. Adam has a diverse background spanning many industries including having worked for HCA Healthcare, Hilton, Discount Tire, and The University of Central Florida.

    MBA from University of Central Florida | Bachelor of Science from Florida State University
    Chartered Financial Analyst (CFA)

  • Lance Hopegill, Fiduciary Officer

    P 407.226.1112 | lhopegill@seasidebank.com

    Lance Hopegill

    Lance was previously Vice President of Charter Investment Advisor, Inc., a Registered Investment Advisor located in Orlando, Florida. While at Charter, Lance served as the lead portfolio manager and also assisted clients with the estate and retirement planning. Lance was with Charter for eighteen years until the company was acquired by Seaside Bank and Trust in 2014. In his role as fiduciary officer, Lance is responsible for the oversight and administration of Seaside’s Trustee and Estate services.

    Bachelor of Science from the University of Florida | Certified Financial PlannerTM (CFP®)

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Retirement, Brokerage: Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC. Kestra Investment Services, LLC is not affiliated with Seaside Bank and Trust and are NOT a deposit or other obligation of, or guaranteed by, Seaside Bank and Trust or any affiliate of Seaside Bank and Trust, NOT FDIC insured, and subject to risk and may lose value.

Fiduciary Service, Investment Management, Financial Planning, Brokerage, Insurance, and Investment products are: NOT insured by the FDIC or any other agency of the United States or by Seaside Bank and Trust ("the Bank") or any of its affiliates. NOT deposits or obligations of the Bank, or guaranteed by the Bank or any of its affiliates. Subject to investment risk and may lose value.

Insurance: Not a deposit or other obligation of, or guaranteed by, Seaside Bank and Trust or any affiliate of Seaside Bank and Trust. Not insured by FDIC or any other agency of the U.S. Government. Subject to risk and may go down in value.