• Are You Ready for Retirement? Key Questions to Ask.

    Mar 11, 2025

    The widespread discussion of deferred resignation and early retirement within our region’s households underscores the need for careful future planning. Ideally, feeling ready to retire and being ready to retire should go hand in hand, but the reality can be more complicated. Whether you’re thinking about retirement from any industry or simply pausing between career opportunities, BCT Wealth Advisors cares about what comes next for you and your family. Full Story

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  • Catching Up with Melanie Canby, Callar Scholarship Recipient

    Feb 25, 2025

    A heartfelt commitment to building community defines everything we do at BCT Wealth Advisors. That’s why we manage scholarships to help community members advance their personal and professional goals. Every scholarship donor makes a profound difference in the lives of community members—full-time students and working professionals among them. Full Story

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  • February Check-In: Are You Making Progress on Your 2025 Goals?

    Feb 10, 2025

    We kicked off 2025 with fresh motivation and new goals, but now that February is here, are you staying on track? While we can’t organize that pesky hall closet or finish that house project for you, we can help you reach your 2025 finance goals. According to our BCT Wealth Advisors team, here are three simple things that you can do now to elevate your financial wellness journey in 2025:Full Story

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    Leslie Crabill, Dir. of Wealth and Investments
  • BCT's Alice Frazier Represents Community Banks at House Committee on Small Business

    Feb 06, 2025

    CHARLES TOWN, WV, February 6, 2025 /PRNewswire/ (OTC:PTBS) Yesterday at the first House Small Business Committee hearing of the 119th Congress, Alice P. Frazier, President and CEO of BCT-Bank of Charles, spoke on behalf of the Independent Community Bankers of America (ICBA) today calling on lawmakers to advance regulatory and tax relief that will further enhance lending to the nation’s small businesses. Full Story

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  • Should You Make Extra Mortgage Payments? A Look at the Pros and Cons

    Jan 06, 2025

    A mortgage comes with one huge benefit: homeownership. But it also comes with a tough reality: paying interest. That can lead to sticker shock when you see how much that interest adds up over the life of your loan. Making extra payments in addition to your monthly mortgage payment could help you save hundreds or thousands of dollars of the life of your loan. But is that always the best financial choice?​Full Story

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  • A Special Message from Alice Frazier for the 2025 New Year

    Jan 01, 2025

    Happy New Year Friends and Neighbors! New Year’s Day is always a special time for reflection and setting intentions. In the early quiet hours, before the household begins to stir, is my time. Nestled in my cozy corner of the couch, with the fireplace warming the room and the Christmas tree lights twinkling, I sit with my notebook and pen, ready to reflect and set my intentions for the year.Full Story

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  • Avoid Holiday Scams

    Dec 01, 2024

    As the holiday season approaches, it seems like there are more and more fake shopping sites. The ads on social media show expensive products like electric scooters, designer bags, and other popular toys and gifts at unbelievably low prices. Many of these bogus sites use photos and logos the scammers steal from legitimate businesses, but they won’t send you authentic products. If you’re wondering how to avoid these phony offers, there are a few ways to help you detect them.Full Story

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  • Cybersecurity Awareness Month

    Oct 01, 2024

    Staying Safe Online is Easier Than You Think! Every day we are more and more connected—whether messaging family and friends, shopping online or ordering supplies for our small businesses. It’s important to take steps to stay safe when using our phones, laptops and smart devices. The Cybersecurity & Infrastruction Security Agency of the United States of America, also known as CISA, provides important information to help. Full Story

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  • Please Verify You Are Human: AI-Assisted Phishing

    Aug 26, 2024

    It’s no secret that artificial intelligence (AI) has been the talk of the town for the last couple of years. With tech giants like Google and Microsoft investing heavily in their applications, it seems this new technology is here to stay. From students outsourcing their assignments to ChatGPT, to businesses generating marketing material featuring employees with a few too many fingers, AI can be a powerful tool to increase the user’s productivity. Full Story

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  • Stop Prescreened Credit and Insurance Offers

    Jul 03, 2024

    Do you receive unsolicited credit or insurance offers? Many, if not most, are a result of a "prescreening" of your credit report. Learn how prescreening works and how to opt out.Full Story

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  • Five Beneficial Money Habits you Can Put into Practice Right Now

    Jun 21, 2024

    When it comes to saving, investing, or getting your finances in order, the process can often feel daunting. You may find yourself waiting for the next big life event or pushing off the process until the next month or the New Year. You might be unsure of where to start, or perhaps you feel like you’re lacking in resources or professional advice.Full Story

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  • PODCAST: Alice Frazier - From Cowgirl to Batman

    Jun 17, 2024

    PODCAST: Alice Frazier shares life experiences that shaped her pathway from cowgirl to Batman. Nathan Baumeister leads BCT's President and CEO through an in-depth conversation of discovery, challenges, and unexpected opportunities. Full Story

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  • Financial Literacy is Key to Effective Money Management for Teens...and the Whole Family

    Jun 17, 2024

    Former Federal Reserve Chairman Alan Greenspan once stated, “Financial education is a process that should begin at an early age and continue throughout life. This cumulative process builds the skills necessary for making critical financial decisions.” Full Story

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  • Tips to Take the Financial Stress out of Travel

    Jun 05, 2024

    Vacations are meant to be relaxing, but under planning and overspending can lead to financial stressors. Consider the following tips to reduce travel-related anxiety and help you make the most out of your time away—whether journeying across state lines or overseas.Full Story

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  • "Pig Butchering" Crypto Scams a Growing Concern

    May 22, 2024

    A new form of investment scam has skyrocketed in recent years as criminal syndicates target consumers through online channels. Called “pig butchering,” this new scam is increasingly relevant, including among the consumers and communities that community banks serve.Full Story

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  • Preparing Your Home to Sell This Summer

    Mar 07, 2024

    Summer is peak season for the housing market, which means competition will be sizzling. If you’re selling this season, strike while the iron (like the weather) is hot by getting your home into tip-top shape before you even list it. How? Follow these tips and make your house the stand-out property of the season.Full Story

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  • 2024 New Year's Letter from Alice

    Jan 01, 2024

    Dear Clients, Friends, and Neighbors, my husband gave our adult children a special pen and journal for Christmas this year. His words of wisdom were, “Be sure to look around and take in those special moments coming to you in 2024. Take time to journal all that you see and feel. Many years from now you will appreciate the opportunity to read your thoughts from back-in-the-day.” Full Story

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    Alice Frazier, BCT President & CEO