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Sandra L. Pepper




Sandra L. Pepper

Senior Vice President & Trust Officer

Sandy brings over 35 years of experience in the industry, providing estate planning and other financial advice to high net-worth individuals, families and institutions. At Caldwell, she continues to pursue her passion to ensure that client desires are carried out for their families and charities, with specific attention to estate, financial and tax planning concerns.

Originally from Dayton, Ohio, Sandy spent the first 7 years of her career in the Corporate Trust Division of Winters National Bank & Trust Co. Relocating to Sarasota in 1983, Sandy spent the next 16 years as Vice President and Trust Officer in the Personal Trust Division of Bank of America. She joined the Wealth Management Division of The Northern Trust Company in 1999, serving as Vice President and Senior Trust Advisor with a focus on estate planning and continuity for the next generation. Prior to joining Caldwell Trust Company, she was responsible for $350 million in assets under Administration.

Her strong desire to provide access to mental health services for lower-income individuals and families led to 30 years of community service, including positions as Chairperson Emeritus for Family Counseling Center and The Florida Center as well as serving as a board member for Samaritan Counseling Services of the Gulf Coast. Sandy is also a member of the Florida Bankers Association.

Sandra and her husband Mark reside in Lakewood Ranch and have two grown sons.

"Our Clients are the Center of Everything We Do."