NBT Wealth Management is a leading provider of financial advice, offering personal and business solutions. Our experienced advisors offer an objective, consultative approach to investments, trusts, insurance, retirement plans and more. To learn more about how NBT Wealth Management can assist you, visit Investments and Insurance Products are NOT FDIC INSURED, ARE NOT BANK GUARANTEED, MAY LOSE VALUE, ARE NOT A BANK DEPOSIT, ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.