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Your Personal Wealth Goals

In life, it’s important to have goals. At NBT Wealth Management, we make it easier for you to work toward them. We want to help you see the big picture by elevating the discussion beyond numbers. After all, there’s a lot more to your life than dollar signs. Explore financial topics that interest you in the following section. If you'd like to begin the conversation with one of our knowledgeable consultants, submit your contact information below to request a meeting.

We also assist businesses with their financial planning needs. Visit Business Strategies to explore how we provide financial guidance to businesses and institutions.

 

What Are Your Goals?

 

Popular Questions


College should be an investment in a brighter future, not a financial burden to carry for years after graduation. Together, we can put together a plan that includes assumptions for your child like: state school or private? Do you wish to save for the entire cost or only a portion? We can show you what that potential cost looks like in eight, ten or fifteen years. We will also project what your current savings and contributions may potentially grow to. If there is a gap, we will tell you exactly how much to save to meet this education goal. To learn more, request a meeting below.

Long-term care costs are high. We can show you what an event looks like at some point in the future, and the impact that event might have on your assets. Request a meeting below to speak with one of our professionals.

We all look forward to the day when we are free to spend our time on what we love most. With the help of our advisors, we can put together a plan the projects your earliest potential retirement date. We will also discuss a more prudent date, which will allow for the many changes life throws your way. Learn more about financial planning.

With life comes death. It’s not easy to talk about, but the possibility of your premature death should not be ignored. Do you have enough life insurance? Or maybe too much? First we’ll figure out what financial situation your loved ones would be in if you were to pass away prematurely. Then, based on your specific goals and concerns, we will recommend a strategy to provide for your family. To learn more, request a meeting below.

First we will talk about what you want to happen to your assets. Then, we can review your current estate plan and make recommendations to structure your estate to help you pursue meeting your intentions. Submit your contact information below to start the conversation.

Using conservative but realistic assumptions that you agree with, we will develop projections based on your current path. We will also recommend specific changes that may provide you a higher likelihood of extending your resources. Request a meeting below to speak with one of our professionals.

Congratulations! A new home is both a dream realized as well as a tremendous financial responsibility. How would the mortgage be paid if the primary breadwinner becomes disabled, or worse yet, dies prematurely? The good news is we have answers! Our insurance professionals can help you find ways that can help protect your paycheck and pay the monthly mortgage if you are disabled. Request a meeting with one of our advisors below to talk about your insurance needs.

Paying for long-term care expenses is one of the largest financial challenges facing seniors today. As you navigate through these waters we are here to help you understand Medicaid, Medicare and private insurance solutions. We can help you examine the different factors to weigh when considering whether self-insuring, hybrid long-term care, Partnership long-term care or traditional long-term care insurance would be a better choice for you. If you would like a customized analysis put together for you along with our recommendations, take the first step by requesting a meeting below.

Finding efficient ways to pass wealth from one generation to the next is one of the things we are asked to do the most, and it happens to be one of the things we do best. Many people are concerned that due to rising taxes, ever increasing health care costs and global political uncertainty, their hard-earned nest egg might not be there to pass on to family and loved ones. As wealth transfer professionals we have a number of potential strategies to discuss that address this concern, simply and easily. Want to find out more? Learn more by requesting a meeting with one of our local advisors below.

When you are examining your need for life insurance it is important to look at the loved ones who financially depend on you. Whether you need to protect your children, your spouse or a loved one from the loss of your income, we are here to help you calculate that risk and make the proper plan to protect the people you care about. Our team is here to help you determine the potential financial risk to your family and to help you put the proper coverage into place. Request a meeting below to discuss your concerns with one of our local insurance advisors.

Most people are surprised to learn that the right kind of life insurance can be used to generate income during retirement. Properly structured, a life insurance policy can provide many years of tax-free income to the owner. A well-planned life insurance policy can self-complete prior to retirement in the event of a pre-retirement disability of the insured. Want to learn more about how to diversify your retirement oriented assets for more income and less taxes? Get in touch with us below to request a meeting with one of our informed insurance advisors.

Congratulations! As a new parent you have many responsibilities. Some of those responsibilities might keep you up at night, but we don't want financial worries to be one of them! Many new parents realize that now is the right time to obtain some life insurance to ensure that the future for the ones you love remains bright and rosy. Click here for more personal insurance information.

Because we are skilled insurance professionals, we provide a no-cost, no-obligation Insurance Policy Review for anyone who requests it, no matter what carrier you have. Why do a review? Well first of all, because things have a way of changing over time. What if your income has increased and you need more coverage? Or what if you lost weight, or you quit smoking? This might be the time to let your carrier know so you can get a discount. On the other hand what if your family status has changed and you don't have the correct beneficiaries anymore? For these reasons and many more we highly recommend a periodic policy review. Want to get the ball rolling on a personalized policy review for all the policies you own? Click here.

Most people fail to realize what a dramatic impact a long-term disability can have on their lives. When you add up your expected income during your career it is often your largest asset. With so much at stake, it makes sense to find ways that could protect that income. That's where we come in. We are knowledgeable in finding unique options and will work with you to develop a plan to help protect a good portion of your income in the event a sickness or accident means you can't work. Want to find out more? Click here.

We get this question a lot, and the answer is unique to everyone's situation. We can assist you with calculating and creating a realistic plan that will help you pursue your retirement savings goals. Click here for more information.

Congratulations on your new career path! There are a lot of options available to choose from for your old retirement account. Deciding what is best can be confusing. We can discuss the pros and cons of the various options – from continuing your current plan, transferring it into your new employer plan, or rolling it into your own IRA. Request a meeting below to get the conversation started.

We have a broad selection of investment vehicles, such as fixed annuities with set interest rates as well as other investment vehicles that are not guaranteed, that offer competitive interest rates or the potential for increased income opportunities. To learn more about our available investment options, request a meeting below.

It's a fact that people are living longer, and ensuring that your savings will last is a greater concern than ever before. With the help of our advisors, we can calculate the estimated income you can withdraw and how long it will last. Click here for more information.

We can help you look at strategies that can reduce interest income, earned income and capital gains to help reduce your tax burden. Want to learn more about these tax reduction strategies? Request a meeting below to speak with one of our knowledgeable investment advisors. LPL representatives do not provide tax advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Comparing a plan to the broader market is a viable means for demonstrating one’s willingness to address fiduciary responsibilities, and also shows plan participants that you are aware of their best interests, and are willing to periodically review comparative performance and costs information. Learn more.

We have the ability to provide a “one stop shopping” experience that encompasses trustee, custodial, daily recordkeeping, participant education and support, and full compliance services for plans regardless of size. You can rest comfortably knowing that you have one point of contact for all your retirement plan needs. Request a meeting with one of our advisors below.

Plan construction must always incorporate the client’s expressed goals. That’s why we use this knowledge as the cornerstone of any plan’s design. However, annual plan design review and ongoing recommendations are crucial to a plan continuing to meet its corporate goals. As a basic tenet of our client relationships, we provide comprehensive annual plan document reviews, as well as periodic recommendations through the plan year as circumstances dictate. Take the first step toward your plan goals. Request a meeting below to speak with one of our experienced advisors.

With virtually all participant litigation centering on investment options and the selection process associated with them, it is imperative that plan sponsors have a strategy in place that is comprehensive, prudent and well documented. As part of this strategy, sponsors should maintain an investment policy statement, quarterly investment reports and annual investment meeting minutes at all times. By virtue of our discretionary trustee capacity, we mitigate the sponsor’s investment exposure, produce and maintain each of the noted items and provide our clients peace of mind. Begin the conversation by requesting a meeting below to discuss goals for your retirement plan.

Addressing annual discrimination testing is a concern for retirement plans that are attempting to maximize personal deferrals. Potential solutions range from plan design modification to enhanced participant education and participation. We have extensive experience in successfully handling this concern for plans of all sizes, and address this issue immediately in all new client relationships. Learn about how we can provide guidance for your situation. Request a meeting with one of our advisors by submitting your contact information below.

National research confirms that savings rates and ongoing education are the MOST important components in assuring that participants experience successful retirement outcomes. We are pleased to address this realization with a unique combination of educational tools that provide consistent, comprehensive and accountable participant communication. Our array of technological and personal support allows for both groups and individuals to receive on site, on demand, and on time knowledge and understanding of their retirement plan. Request a meeting below to learn more.

Yes, when acting as trustee, you are personally responsible and liable for the investment due diligence and operational requirements of the plan. Outside corporate trustee services can mitigate this exposure, and we are pleased to offer a variety of these services for your consideration. Learn more.

A directed trustee may reduce the risk and exposure attributable to the investment due diligence responsibilities and ongoing operational requirements of the plan, but the use of a discretionary trustee shifts the responsibility for investment selection, monitoring and deselection to the corporate trustee, and operational management can be shifted as well. Speak to one of our advisors about trustee service options for your business. Simply request a meeting below.

We get this question a lot, and the answer is unique to everyone's situation. We can assist you with calculating and creating a realistic plan that will help you pursue your retirement savings goals. Click here for more information.

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