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Financial 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” in financial planning. 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 unique to you and tailored to your goals and concerns.

While having a comprehensive written financial 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.


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.

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.

View Our Process


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Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. NBT Bank, NBT Wealth Management and NBT Financial Services are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured NBT Bank deposits and are not FDIC insured. These products are not obligations of NBT Bank and are not endorsed, recommended or guaranteed by NBT Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

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