Personal Goal Planning

 

When it comes to your finances, it pays to have a plan. You shouldn’t have to wonder if your money will last, how you’ll afford college tuition or what will happen to your family financially if you were to pass away.

Our Team understands that there is no “one-size-fits-all” when planning for your future. That’s why we take the time to listen to your concerns and goals before we crunch a single number. We confirm up front what you are hoping to achieve and also what keeps you up at night. Your plan will be customized to you.

While having a comprehensive written plan is important, it’s the implementation of the plan over time that gets you the results. Our team is here to help keep you on task and monitor your progress. Your plan will evolve and adapt to your lifestyle and financial situation as it changes over time.

Senior couple on a beach with bikes

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 pursue this education goal.

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.

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.

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.

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 that 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.

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.

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Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. NBT Bank and NBT Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name NBT Investment Services and may also be employees of NBT Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of NBT Bank or NBT Investment Services. Securities and insurance offered through LPL or its affiliates are:

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