Lamoni, IA Office

BTC Financial Management Co. provides ongoing portfolio management and retirement plan consulting to individuals, families, businesses, foundations, and pension/profit-sharing plans. The firm tailors services through an initial assessment and generally requires a $250,000 household minimum, overseeing approximately $39.6 million in client assets for about 208 clients.

The firm’s investment approach follows modern portfolio theory with an emphasis on global diversification and fundamental security analysis, primarily using mutual funds and exchange-traded funds while occasionally employing margin and options. BTC implements recommendations and provides ongoing monitoring and reporting, and while it accepts discretionary authority, the firm reported that all assets under management were held on a non-discretionary basis as of 12/31/2025.

BTC Financial Management is owned by BTC Bank, and several advisory personnel hold roles at the bank, with the firm’s Chief Compliance Officer also advising the bank’s Trust Department — arrangements that the brochure discloses and that are overseen through the firm’s compliance function. The firm does not take custody of client assets, relies on third-party custodians for account holdings and reporting, and discloses potential conflicts arising from its relationship with the bank.