Financial Planning Services
BCT provides comprehensive financial planning for individuals, professionals, executives and business owners. In most situations, our clients have already done some planning, usually with the help of other professionals such as accountants, attorneys, or life insurance representatives. As a result they may feel they have sufficiently completed the planning process.
Through our work we often find that a comprehensive review of a client’s current situation, when compared to their objectives, exposes gaps and overlaps that can result in frustration and substantial, and unnecessary, costs. We recommend solutions and work with you step-by-step through the implementation process to assure the full benefits of your comprehensive plan.
Trust Services
Individuals, as well as businesses and institutions, recognize the need for Trust services through their financial planning process. BCT’s dedicated Trust Department provides:
- Custody Service - As custodial-agent, we function as a “living-lock-box” to provide safe-keeping of securities and the collection of income.
- Trustee for Living Trusts, Trusts Under Will, and Charitable Trusts - As trustee, BCT provides administration and portfolio management in accordance with the terms of the legal document.
- Estate Settlement - As Executor or Administrator, BCT works with your beneficiaries in all aspects of the administration of the estate.
Brokerage & Investment Services
Through our relationship with LPL Financial, our brokerage division, BCT Investments provides access to a full range of professional investment management services within the guidelines established for your individual income and capital appreciation goals. In addition to specialized asset management services for the Trust client and other clients requiring specialized service, BCT offers access to the following investment services:
- Full service or discount brokerage services.
- Retirement planning for individuals and employers, including Traditional or ROTH IRA’s, and SEP’s, SIMPLE’s, and 401(k) plans.
- College and education planning, including the West Virginia SMART529.
- Business planning, including tax-advantaged investments, employer retirement plans, disability insurance, key-man life insurance, buy-sell agreements, and succession planning.
- Insurance planning, including term and permanent life insurance, disability, and long-term care.
Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. BCT and BCT Investments are not registered broker/dealers and are not affiliated with LPL Financial. Investment Advisory Services offered through LPL Financial, a Registered Investment Advisor
Investment products are:
| Not FDIC insured | Not bank guaranteed | May lose value |
| Not a Bank Deposit | Not Insured by Any Federal Government Agency | |
Contact our BCT Investments team at 304-728-2435 or if out of the local area, please call 1-800-296-8431 and ask for a specialist from our BCT Investments department.