SSB&T Wealth Management

What SSB&T Wealth Management does

SSB&T Wealth Management, LLC is a wholly-owned subsidiary of Security State Bank & Trust, a Texas-chartered community bank founded in 1941 in Fredericksburg, Texas. Operating as an SEC Registered Investment Advisor under a fee-only fiduciary model, SSB&T Wealth Management provides integrated wealth management and trust and estate services to individuals, families, HNW/UHNW clients, and small business owners across Hill Country, Central, and North Texas. Core products include comprehensive financial planning, investment management, retirement income strategies, trust administration, estate planning and settlement, guardianship, special needs trusts, and an Advanced Wealth Preservation module with family office and concierge services.

The underlying technology stack is conventional and partner-dependent rather than proprietary: client portals run on Orion Advisor for wealth management and InfoVisa for trust services, while the parent bank operates a mobile and online banking platform with Interactive Teller Machines (ITMs) enabling live teller assistance. Merchant Services leverage Fitech Payments, SwipeSimple, and Sound POS infrastructure. No proprietary AI/ML systems or public APIs are offered.

The business model combines subscription-style recurring fees (quarterly advisory fees deducted from client accounts) for wealth management and trust services with traditional bank revenue from deposits, lending products (mortgages, auto, consumer, commercial, SBA, farm and ranch loans), and transaction-based merchant services revenue. Go-to-market is relationship-driven through 18 physical branches stretching from Fredericksburg to Fort Worth, supplemented by no-cost initial consultations and heavy community involvement (6,117 volunteer hours in 2025). Pricing is transparent fee-only with no commissions or referral fees, aligning advisor incentives to client outcomes.

Name

SSB&T Wealth Management

Legal name

SSB&T Wealth Management, LLC

Website

https://ssbtwealth.com

Company type

Private

Founded year

1941

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Wealth Management and Trust Services

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Personal & Family Trust Services (FSAAANAA), Bank-Affiliated Retail Wealth Management (FSAAAAAB), Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Wealth management services
• Trust and estate services
• Investment advisory services
• Fiduciary financial planning
• Community banking services

Headquarters

HQ city

Fredericksburg

HQ country

United States

HQ region

North America

Offices20 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Banking Products and Services: Traditional banking revenue including checking accounts, savings accounts, CDs, IRAs, credit cards, and lending products (mortgages, auto loans, consumer loans, commercial loans, SBA loans, farm and ranch loans)
2. Wealth Management Fees: Fee-only advisory model where fees are deducted quarterly from client accounts. Comprehensive financial planning, investment management, retirement income strategies, tax planning, and advanced wealth preservation services for HNW/UHNW clients including family office services
3. Trust and Estate Services: Trust administration, estate planning and settlement, guardianship services, special needs trusts, executor and trustee services, estate litigation support, tax planning and preparation (IRS Form 1041), real estate management for trusts
4. Merchant Services: Payment processing solutions including traditional POS retail, mobile app payments, mail/telephone order, e-commerce, and various terminal solutions. Revenue from transaction fees on credit and debit card processing
5. Treasury Management Services: ACH and wire processing, remote deposit capture, payroll cards, business credit cards, purchasing cards (P-cards), positive pay, and fraud prevention services for business customers

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

SSB&T Wealth Management delivers fee-only wealth management and trust and estate services as an SEC Registered Investment Advisor. Core offerings include comprehensive financial planning, investment management, retirement income strategies, trust administration, estate planning and settlement, guardianship, and small business advisory including treasury management. The company is a wholly-owned subsidiary of Security State Bank & Trust and serves clients through 18 Texas branches plus dedicated wealth and trust client portals.

Product overview

SSB&T Wealth Management is a subsidiary of Security State Bank & Trust offering an integrated wealth management and trust services platform. The core offerings consist of Wealth Management (financial planning, investment management, retirement strategies) and Trust and Estate Services (trust administration, estate planning, guardianship). These are supplemented by Advanced Wealth Preservation for high net worth clients and Small Business Advisory services. Clients access their accounts through dedicated portal logins (Orion Advisor for wealth management, InfoVisa for trust services). The company operates as an SEC Registered Investment Advisor with a fee-only model, providing holistic financial guidance from comprehensive wealth planning through estate settlement.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive financial planning and investment management services including retirement income strategies, portfolio management, Social Security optimization, cash flow planning, 529 education savings, and fixed income strategies for individuals and families. Delivered by CFP- and CTFA-designated advisors under a fee-only SEC Registered Investment Advisor fiduciary model.
• Trust and Estate Services Full suite of trust administration and estate planning services including revocable and irrevocable trust administration, estate planning and settlement, guardianship and conservatorship, special needs trusts, executor and trustee services, estate and trust litigation support, tax planning (including IRS Form 1041 preparation), and confidential document safekeeping for wills, trusts, and powers of attorney.
• Advanced Wealth Preservation High net worth and ultra-high-net-worth advisory services including family office and concierge services, family and business succession planning, charitable giving strategies such as donor-advised funds and charitable remainder trusts, tax planning, and risk management for individuals and families with sophisticated needs.
• Small Business Advisory Advisory services for business owners covering treasury management, retirement plan services such as SEP IRAs, SIMPLE IRAs, and 401(k)s, current plan/provider evaluation, and employee education to help small business owners run and transition their businesses.
• Client Portal Logins Secure online portals enabling wealth management clients (Orion Advisor) and trust and estate services clients (InfoVisa) to access accounts, view statements, and manage investments online.

Quantifiable outcome

• Fee-only model ensures advice is based solely on client needs, not commissions

Named customers5 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered minor.

• TIB, National AssociationminorGTM or Marketing PartnerJoint marketing partner for credit cards and payroll cards products. Part of the bank's joint marketing arrangements as disclosed in privacy policy.
• DeluxeminorGTM or Marketing PartnerJoint marketing partner for merchant card processing services. Part of the bank's joint marketing arrangements as disclosed in privacy policy.
• SSB&T Wealth Management, LLCminorGTM or Marketing PartnerAffiliate partnership for wealth management services. Joint marketing arrangement disclosed in privacy policy between Security State Bank & Trust and its wealth management subsidiary.
• American ExpressminorChannel Partner/ Reseller/ DistributorAuthorized delegate for American Express Travel Related Services Company and American Express Prepaid Card Management Corporation under Chapter 151 of Texas Finance Code for money transmission and currency exchange.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Regional players

• PlainsCapital Bank Wealth Management: PlainsCapital Bank is a Texas-chartered bank with a wealth management division serving HNW individuals, families, and business owners across Texas. It overlaps directly with SSB&T Wealth's integrated banking-plus-wealth value proposition in the same geography.
• Hilltop Securities Wealth Management: Hilltop Securities is a Texas-based broker-dealer and wealth manager offering investment advisory and trust-adjacent services across the Southwest. It is comparable in Texas regional positioning and customer overlap, though it operates as a broker-dealer rather than a pure fee-only RIA.

Direct peers

• Frost Wealth Advisors: Frost Bank is a Texas-chartered community bank headquartered in San Antonio with a comparable branch footprint and a wealth advisory division offering investment management, financial planning, and trust services to Texas families and businesses. Like SSB&T Wealth, it operates inside a community bank chassis and competes for the same Texas HNW customer.
• Argent Financial Group: Argent Financial Group is an independent, fee-only RIA and trust company offering wealth management, trust administration, and estate services to individuals and families, particularly across the Southeast and Texas. It is directly comparable to SSB&T Wealth in fiduciary fee-only positioning and trust/estate service mix.
• Pioneer Wealth Management (Texas): Pioneer Wealth Management is a Texas-based RIA providing fee-only financial planning and investment management to individuals and families. It competes with SSB&T Wealth for Texas HNW clients seeking fiduciary, commission-free advice.

Broad incumbents

• Cadence Bank Wealth Management: Cadence Bank is a regional bank operating across the South and Texas with a wealth management and trust division. It offers a broader product set and larger scale, competing for the same HNW/banking customer but with broader geographic reach and institutional resources.
• Independent Financial (Independent Bank) Wealth: Independent Financial is a Texas-based bank holding company with a wealth management arm serving North Texas. It overlaps with SSB&T Wealth in Texas HNW wealth advisory and trust services, but at materially larger scale.
• Charles Schwab Wealth Advisory: Schwab Wealth Advisory is the firm-side RIA arm of Charles Schwab, providing fee-based investment advisory and financial planning. While national and digitally scaled, it competes for the same fee-only fiduciary clients and serves as a baseline competitive alternative in the Texas market.

Others

• Orion Advisor Solutions: Orion Advisor Solutions is the wealth management technology platform SSB&T Wealth already uses for its client portal and portfolio reporting. It is an enabling technology peer that defines the firm's advisor-tech stack rather than a competitor.
• LPL Financial (Independent Advisors): LPL Financial is the largest independent broker-dealer and RIA custodian/platform in the U.S. It is an infrastructure and platform peer relevant to SSB&T Wealth's choice of custodian, technology, and advisor productivity benchmarking rather than a direct competitor.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ssbtwealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SSB&T Wealth Management