I am no expert on this, but other than the dam, I do not stress about trees on the banks. Trees on the dam can cause leaks. I do take out the willows as they are invasive. Its easier to take out trees later than it is to replace nice size trees. Heck, I planted bald cypress right in the water around the non-dam areas of two of my ponds. If too many leaves fall in, there could be a nutrient overload in fall, but there are many nice ponds in the woods. I know others do not share my thoughts on this. What are your goals for the pond? My ponds are for wildlife, fishing, swimming, and just enjoying the scenery.