Legal Disclosures & Terms of Use
Welcome to the website of LBT Wealth Management, LLC (“LBT Wealth Management,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Legal Disclosures and Terms of Use. If you do not agree, please do not use the website.
We may update these terms from time to time. Revisions become effective when posted to the website.
General Information Only
This website provides general informational and educational content. It does not provide individualized investment, financial-planning, tax, legal, accounting, insurance, estate-planning, or other professional advice. Information may not be current, complete, or appropriate for your circumstances and should not be the sole basis for any decision.
Nothing on this website creates an investment advisory, fiduciary, tax-preparer, accountant-client, attorney-client, insurance-producer, or other professional relationship. An advisory or other professional relationship is created only through a written agreement, engagement letter, insurance application or policy process, or other documentation accepted by the applicable parties.
Investment Advisory Services
LBT Wealth Management, LLC is a state-registered investment adviser with its principal office in New Jersey. Registration as an investment adviser does not imply a certain level of skill, expertise, or training.
Advisory services are offered only in jurisdictions where LBT Wealth Management and its representatives are properly registered, notice-filed, exempt, or otherwise permitted to conduct business. Information on this website is not an offer to provide advisory services in a jurisdiction where doing so would be unlawful.
Nothing on this website constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation to buy, sell, hold, exchange, or otherwise transact in any security, investment product, investment strategy, insurance product, or annuity.
Information about LBT Wealth Management, including its current Form ADV, is available through the Investment Adviser Public Disclosure website. Investors may also use FINRA BrokerCheck to research financial professionals and firms. The BrokerCheck link is provided as an investor resource and does not imply that LBT Wealth Management is a FINRA member.
No Personalized Advice
The website may discuss financial planning, investments, retirement planning, tax considerations, Social Security, Medicare, insurance concepts, annuities, estate-planning considerations, market conditions, or other financial topics. The content is not tailored to your income, assets, liabilities, tax status, investment objectives, risk tolerance, liquidity needs, time horizon, estate plan, insurance needs, or other relevant circumstances.
Website content is not a substitute for applicable advisory agreements, account documents, prospectuses, offering documents, insurance policies, annuity contracts, illustrations, tax filings, or other governing documents. No website content guarantees or predicts investment performance, tax savings, tax results, financial outcomes, insurance coverage, or any other result.
Investment Risks and Performance
All investing involves risk, including possible loss of principal. Investment values fluctuate, and no investment strategy, diversification approach, asset allocation, financial plan, or risk-management technique can guarantee a profit or protect against loss in all market conditions.
Past performance is not indicative of future results. Any market data, indexes, charts, commentary, forecasts, statistics, or third-party research are obtained from sources believed to be reliable, but LBT Wealth Management does not guarantee their accuracy, completeness, reliability, timeliness, or suitability. Information may change without notice.
Tax, Legal, Accounting, Estate, and Insurance Matters
LBT Wealth Management may incorporate tax planning and general tax considerations into its investment advisory and financial-planning services. Tax planning provided by LBT Wealth Management does not necessarily include tax-return preparation and is limited to the scope established in the applicable advisory agreement. Tax laws and interpretations change, and the application of any strategy depends on each taxpayer’s facts and circumstances.
Tax-return preparation and separate tax advisory engagements may be provided through LBT Tax Services under a separate engagement and agreement. Insurance and annuity services may be offered through a separately licensed insurance entity and under separate applications, contracts, or agreements. These services are separate from the investment advisory services provided by LBT Wealth Management.
When acting in a separate insurance capacity, a licensed insurance professional may receive commissions or other compensation from an insurance company if a client purchases an insurance or annuity product. This creates an economic incentive that will be addressed through the applicable disclosures and documentation.
LBT Wealth Management does not provide legal services. Estate coordination and discussion of estate-planning considerations are not substitutes for advice from a qualified attorney. Consult qualified tax, legal, accounting, and insurance professionals regarding your individual circumstances.
Third-Party Information, Links, and Services
This website may contain links to third-party websites, content, tools, or services. A link does not necessarily constitute an endorsement. LBT Wealth Management may maintain professional relationships with or use certain linked providers, including custodians, technology providers, scheduling services, newsletter providers, and other service providers.
Third parties maintain their own terms, security practices, and privacy policies. LBT Wealth Management is not responsible for third-party content, availability, accuracy, or practices. Access to third-party resources is at your discretion and subject to their terms.
Charles Schwab & Co., Inc. may serve as an independent qualified custodian for certain client assets. Schwab is not affiliated with LBT Wealth Management, and references to Schwab do not imply sponsorship or endorsement.
Website Availability and Security
We seek to maintain accurate and available website content, but we do not guarantee uninterrupted access, error-free operation, or that every item will remain current. We may modify, suspend, or discontinue website content or functionality at any time.
Do not use ordinary website links or email to transmit Social Security numbers, tax returns, account statements, passwords, or other sensitive information. Use an approved secure method when providing confidential documents.
Intellectual Property
Unless otherwise stated, website content—including text, graphics, design elements, photographs, videos, downloads, and LBT-created frameworks—is owned by or licensed to LBT Wealth Management and is protected by applicable intellectual-property laws. It may not be copied, modified, distributed, displayed, republished, or used commercially without prior written permission, except for limited personal, noncommercial use.
The Retirement Coordination Gap™ and Integrated Retirement System™ are proprietary to LBT Wealth Management. The True Wealth™ Process is copyrighted by Money Quotient and is used by LBT Wealth Management under license and with permission.
Privacy
Use of this website is also subject to our Privacy Policy. Scheduling may occur through OnceHub, and newsletter subscriptions or content may be provided through Substack. Information submitted to those services is governed by their respective privacy policies and terms.
Website Disclaimers
To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis without warranties concerning the website’s availability, accuracy, completeness, timeliness, or fitness for a particular purpose. This website disclaimer does not alter any duty or obligation LBT Wealth Management may owe under an executed advisory agreement or applicable law.
To the fullest extent permitted by applicable law, LBT Wealth Management will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from access to or use of this website or reliance on its general content. Nothing in these terms waives, limits, or modifies any right or obligation that cannot lawfully be waived, limited, or modified.
Governing Law and Severability
These terms are governed by applicable United States federal law and the laws of the State of New Jersey, without regard to conflict-of-law principles. If any provision is found unenforceable, the remaining provisions will continue in effect to the extent permitted by law.
Contact
LBT Wealth Management, LLC
Phone: 732-479-1730
Email: rtaborda@lbtwealth.com
Website: www.lbtwealth.com