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Personal Investment Services

How comfortable you are in the future will depend on what you do today. BSNB Financial Services* can help you put your financial plan in focus with our wide range of personal investment choices. Whether planning for retirement, saving for college, or protecting your family’s lifestyle, we’re here to make a difference every step of the way.

We are focused on developing a long-term relationship with each client that is based on trust and an understanding of what is important to you. Our advisors will provide guidance and potential solutions based on your ultimate goals and personal situation.


Annuities are one option to diversify your approach to long term savings. Annuities generally provide a guaranteed minimum interest rate and safety of principal.  An annuity may be a good option for investors who are looking for long-term tax deferral with relative low risk as compared to other investment programs. Learn More

529 Plans

These college savings plans offer a unique combination of features including tax advantages, professional money management and flexibility.  See if a 529 Plan may be right for your family**.  Learn More

Mutual Funds

Mutual funds offer another opportunity for diversifying your portfolio. We work with you to explain the options and suggest investments that meet your financial needs. Learn More

Meet our Financial Advisors

Headshot photo of Stephan Scribner
Stephan Scribner, CFP®
Stephan Scribner, CFP®
  • Osaic Institutions Financial Advisor*
  • 990 State Route 67
    Ballston Spa, NY 12020
  • (518) 363-8196

* Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC. Member  FINRA/SIPC.BSNB Financial Services is a trade name of Ballston Spa National Bank. OSAIC INSTITUTIONS, INC. and Ballston Spa National Bank are not affiliated. Products and services made available through OSAIC INSTITUTIONS, INC. are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. We do not provide tax or legal advice. Consult your tax and/or legal advisor.

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