Privacy Policy
LBT Wealth Management, LLC (“LBT Wealth Management,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in connection with our website and our investment advisory, financial planning, investment management, retirement planning, and tax planning services.
This Privacy Policy applies only to LBT Wealth Management. Tax-return preparation and separate tax advisory engagements provided through LBT Tax Services, and insurance or annuity services provided through a separately licensed insurance entity, are governed by their own agreements and privacy practices.
Information We Collect
Depending on your relationship with us, we may collect:
- Identifying and contact information, such as your name, mailing address, email address, telephone number, date of birth, and government-issued identification information.
- Financial information, such as income, assets, liabilities, account balances, transaction history, investment holdings, retirement benefits, employee benefits, equity compensation, tax information, and estate-planning information.
- Information contained in documents you provide or authorize us to review, including account statements, tax returns, insurance policies, annuity contracts, trust documents, wills, and employee-benefit statements.
- Information about your goals, risk tolerance, time horizon, family circumstances, and other facts relevant to financial planning and investment advice.
- Communications and records of your interactions with us.
- Limited website and device information that may be collected by our website host or other service providers, such as IP address, browser type, device type, referral source, and pages visited.
Our public website is not intended for transmitting Social Security numbers, tax returns, account statements, or other sensitive financial documents. Please use an approved secure method when providing sensitive information.
How We Collect Information
We may collect information directly from you, from persons you authorize, from custodians and other financial institutions, and from service providers used to support our advisory relationship. We may also receive information from accountants, attorneys, insurance professionals, employers, benefit-plan providers, and other professionals when you direct or authorize them to share it with us or when otherwise permitted by law.
Website scheduling may occur through OnceHub, and newsletter subscriptions and newsletter content may be provided through Substack. Those services collect and process information under their own privacy policies and terms. The website is hosted through Webflow, which may process technical information necessary to operate, secure, and deliver the site.
How We Use Information
We may use personal information to:
- Provide investment advisory, financial planning, investment management, retirement planning, and tax planning services.
- Open and service accounts and coordinate with the qualified custodian and other authorized providers.
- Develop, implement, monitor, and update financial plans and investment recommendations.
- Communicate with you, schedule meetings, deliver documents, and respond to requests.
- Maintain required business and regulatory records.
- Detect, prevent, and respond to fraud, cybersecurity threats, errors, or misuse.
- Operate, maintain, and improve our website and business systems.
- Comply with applicable laws, regulations, examinations, subpoenas, court orders, and lawful governmental requests.
How We Share Information
We do not sell personal information. We may disclose information in the following circumstances:
- To unaffiliated service providers that perform services for us, such as custodians, portfolio-management systems, financial-planning software, customer relationship management systems, secure storage providers, electronic-signature providers, communications providers, compliance consultants, and technology vendors.
- To your accountant, attorney, insurance professional, LBT Tax Services, or another professional when you authorize or direct the disclosure or when otherwise legally permitted.
- To government agencies, regulators, law-enforcement authorities, courts, or other parties when required or permitted by law.
- In connection with a proposed or completed business transition, provided appropriate confidentiality and legal protections apply.
- With your consent or at your direction.
Service providers receive information only as reasonably necessary to perform their services and are expected to handle it in accordance with applicable contractual and legal obligations.
Safeguarding Information
We maintain administrative, technical, and physical safeguards designed to protect personal information. Depending on the information and system involved, these safeguards may include access controls, multifactor authentication, encryption, secure storage and transmission methods, vendor evaluation, backups, personnel training, monitoring, and incident-response procedures.
No system or method of transmission is completely secure. We therefore cannot guarantee the absolute security of information.
Data Retention
We retain personal information for as long as reasonably necessary to provide services, meet contractual and operational needs, comply with regulatory recordkeeping requirements, resolve disputes, and enforce agreements. Retention periods vary by the type of information and the purpose for which it is maintained.
Cookies and Similar Technologies
Our website host and third-party services may use cookies or similar technologies that are necessary to operate their services, maintain security, remember preferences, or understand basic site activity. When you follow a link to OnceHub, Substack, or another third-party service, that provider’s privacy policy and cookie practices apply.
Website Analytics
We use Google Analytics 4 and Google Tag Manager to understand how visitors use this website and to measure the effectiveness of its content and calls to action. These services may use cookies and similar technologies to collect information such as pages viewed, approximate location, device and browser information, referral source, and interactions with selected links.
We currently measure interactions that may include visits to the Integrated Retirement Review page, clicks on scheduling links, clicks on newsletter links, and confirmation that an Integrated Retirement Review appointment was scheduled. We do not intentionally send names, email addresses, financial information, or information entered into scheduling forms to Google Analytics.
Google processes analytics information according to its own privacy practices. You can learn more at How Google uses information from sites or apps that use its services. You may also use the Google Analytics Opt-out Browser Add-on or adjust your browser settings to limit cookies.
Google Tag Manager helps us deploy and manage website measurement tools. Google Tag Manager itself does not create visitor profiles for LBT Wealth Management; the tags managed through it may collect information as described above.
Your Choices and Rights
You may contact us to request access to or correction of personal information we maintain about you, to update your communication preferences, or to ask questions about our privacy practices. We will evaluate requests in accordance with applicable law and our regulatory obligations. Certain records may need to be retained even after a relationship ends.
You may unsubscribe from marketing or newsletter communications using the instructions in those communications. Service-related or legally required communications may continue.
Children’s Privacy
Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through this website.
Third-Party Websites
Our website may link to third-party websites or services. Their privacy and security practices are governed by their own policies. A link does not transfer responsibility for a third party’s practices to LBT Wealth Management.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The revised policy becomes effective when posted, and the effective and last-updated dates will be revised accordingly.
Contact Us
LBT Wealth Management, LLC
Phone: 732-479-1730
Email: rtaborda@lbtwealth.com
Website: www.lbtwealth.com