Services

Our comprehensive, planning-based approach affords our clients peace of mind. We complete a thorough analysis of our clients’ financial situation to best position their portfolios to meet their goals and objectives. BT Wealth Management is committed to the principles of financial planning. While our investment resources are extensive, our Client Process extends beyond the management of portfolios. It encompasses our clients’ lifetime financial needs.

Retirement Planning

BTWM Planners offer a wealth of expertise for retirement planning. We use specialized software to model retirement scenarios for clients to illustrate specific withdrawal scenarios, potential investment outcomes, and the impact of taxes and inflation.

Cash Flow Analysis

For many of our clients’ families, balancing short-term cash needs with mid- and long-term goals can be a challenge, particularly for clients with irregular income from small businesses or partnerships, budgeting can present an operational challenge that needs expert advice. Our planners consult on the best way to structure liquid accounts and procedures to make achieving goals as automated and seamless as possible. Our client portal offers budgeting and account review tool,s as needed, to track spending.

Life Event Planning

Divorce

During and after the divorce settlement negotiations, the unknowns can be overwhelming. Our team of advisors and planners have experience in helping clients navigate their financial options during this emotional time. We coordinate with attorneys and CPAs to determine how different scenarios will affect the plan for a client’s wealth. We then work together to evaluate and optimize cash flow, investment portfolio, insurance and estate requirements as a single individual. We service clients who have never managed relationships with financial professionals, ensuring that our clients are backed by a team of knowledgeable fiduciaries to support them with confidence on their new path.

Death

The loss of a loved one is a devastating time, and processing the estate distribution can seem insurmountable. Our planners can help manage the operational burdens as well as reorient the income plan, estate plan, and portfolio allocation to support the surviving family members.

Qualified Plan Consulting

For business owners and executives, our team provides counseling on which retirement plan is appropriate for each situation and advises on plan format and design. Technical advice is available on all aspects of retirement plans including the interpretation of rules and new laws. The team provides guidance as to which plan providers are most suitable for a specific case and assists with the selection process, plan setup, and plan monitoring.

Estate Planning

For many, one of the most rewarding aspects of wealth is sharing it with others. Whether the desire is to create a multi-generational wealth preservation and transition plan for a client’s family, provide funding to a charitable entity, or provide for a family member’s higher education, we have access to a variety of tools to help address legacy and wealth transfer goals.

Insurance Planning

For business owners and executives, our team provides counseling on which insurance option is appropriate for your situation and advises on plan format and design. The team provides guidance as to which plan providers are most suitable for a specific case and assists with the selection process, plan setup, and plan monitoring.

Philanthropy

While many individuals give to charity, few take the time to create a well-designed charitable strategy that considers personal tax benefits and control over investments. We can assist with strategies such as Charitable Remainder Trusts, Charitable Lead Trusts, Pooled Income Funds, Charitable Gift Annuities, Donor Advised Funds and Private Family Foundations.