NBT Capital Management, Inc.

NBT Capital Management, Inc. provides discretionary and non‑discretionary portfolio management, financial planning, and retirement-plan consulting to individuals, high‑net‑worth clients, trusts, and employer‑sponsored plans. The firm delivers these services through multiple operating names (including a retirement‑plan line and Cleveland Hauswirth) and commonly charges asset‑based advisory fees and conducts ongoing portfolio management.

The firm’s investment process emphasizes a Core-and-Explore allocation combining passive index and ETF core holdings with active or tactical “explore” positions, global diversification, and periodic rebalancing; it also offers a digital advisory platform that implements ETF model portfolios with advisor support. For retirement clients NBTCM provides both fiduciary (ERISA 3(38)/3(21)) and non‑fiduciary plan services, including fund selection, monitoring, and participant education.

NBTCM is owned by a bank holding company, a structural affiliation that is relatively uncommon among similar advisory teams and is disclosed and managed in its policies. It also differs from many peers by operating six offices and managing over $1.6 billion with eight advisors (placing its AUM per advisor above $200 million), while maintaining hybrid service lines that include institutional retirement‑plan fiduciary work, a digital advice option, and advisors with separate broker‑dealer or insurance capacities.