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King Earns RICP® Professional Designation

PLATTSBURGH, NY (April 11, 2018) – Adam King has earned the Retirement Income Certified Professional® designation from the American College of Financial Services. King is a financial consultant with NBT Financial Services, a division of NBT Wealth Management.

King has over 18 years of experience in the financial services industry and joined NBT in 2014. King earned his bachelor’s degree from Saint Michaels College in Colchester, VT. He holds New York State and Vermont licenses in life, health and long term care insurance and is FINRA series 7, 63, and 65 registered with LPL Financial. A resident of Mooers, NY, King serves as vice president of the Board of Directors for MVP Kids, Inc., a non-profit organization that provides athletic programs for children on the Autism spectrum.

Candidates for the RICP® designation must complete a minimum of three college-level courses and are required to pass a series of exams. They must also have three years of experience, meet stringent ethics requirements, and participate in The College’s continuing education program.

The RICP® educational curricula is the most comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income. The three-course credential helps advisors master retirement income planning. From retirement portfolio management techniques and mitigation of plan risks to the proper use of annuities, employer-sponsored benefits, and determining the best Social Security claiming age, the RICP® provides a wealth of practical information for advisors.

Individuals who earn a RICP® can provide expert advice on a broad range of retirement topics including income needs and objectives, estate issues, and other risks to the retirement income planning, Social Security, health insurance, and housing decisions, and income taxation.

About The American College

The American College is the nation’s largest non-profit educational institution devoted to financial services. Holding the highest level of academic accreditation, The College has served as a valued business partner to banks, brokerage firms, insurance companies, and other for over 86 years. The American College’s faculty represents some of the financial industry’s foremost thought leaders. For more information, visit www.theamericancollege.edu.

About NBT Financial Services, a division of NBT Wealth Management

NBT Financial Services a division of NBT Wealth Management and provides access to trust, investment**, insurance** and retirement services to individuals and organizations.

About NBT Bank

NBT Bank, N.A. is a full-service community bank serving customers from a network of over 150 locations in six states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine. The bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, NY. NBT Bancorp had assets of $9.2 billion as of March 31, 2018, and is traded on the Nasdaq Global Select Market under the symbol NBTB. More information about NBT is available online at www.nbtbank.com.

About LPL Financial

LPL Financial is one of the nation's leading financial services companies and a publicly traded company under ticker symbol LPLA. The firm's mission is rooted in the belief that objective financial guidance is a fundamental need for everyone. LPL does not offer proprietary investment products or engage in investment banking activities; this means advisors affiliated with LPL are not pressured or influenced by LPL to sell its products. Thousands of financial advisors nationwide are able to rely on the firm's tools and resources to help them provide financial guidance and recommendations to help meet their clients' needs. For more information about LPL Financial, visit www.lpl.com.

**Securities and Financial Planning offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. NBT Bank, N.A., NBT Bancorp Inc., NBT Wealth Management, and NBT Financial Services are not registered broker/dealers and are not affiliated with LPL Financial.

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