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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. Watch our informational video or 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?


Frequently Asked Questions and Answers

Haven’t found your answer? Search our popular questions below to help find what you’re looking for. Simply type in your question, or choose a subject from the dropdown, or do both and click Submit.

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.

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 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. 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. 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 considering 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.

Learn more about personal insurance

As skilled insurance professionals, we provide a no-cost, no-obligation Insurance Policy Review for anyone who requests it, no matter what insurance company you have. Why do a review? 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?

Get Started now

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?

Learn how you can protect your paycheck

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 that offer competitive interest rates or the potential for increased income opportunities. To learn more about our available investment options, request a meeting below.

We can help you look at strategies that can reduce interest income, earned income and capital gains to help lower 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. Please note, our advisors do not provide tax advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

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    Market Insights.

    Our blog, authored by our Chief Investment Officer, Kenneth J. Entenmann, CFA®.

    Learn More


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