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 partnership with UVEST Financial Services, 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 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.
Investment products & services available through BCT Investments are offered by UVEST Financial Services, member NASD/SIPC. UVEST and BCT are independent entities. Investment products are:
| Not FDIC insured | Not bank guaranteed | May lose value |
Contact our Trust and Financial Planning team at 304-725-8431 or if out of the local area, please call 1-800-296-8431 and ask for a specialist from our Trust & Financial Planning department.