BCS Wealth Management

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BCS Wealth Management BCS Wealth Management is an independent fiduciary wealth management firm in East Tennessee.

Our aim is to help you reach goals important to your financial wellbeing.

Meet Michelle, one of the friendly faces behind BCS Wealth Management in Johnson City, TN! 👋⁠⁠If you've called our offic...
10/16/2026

Meet Michelle, one of the friendly faces behind BCS Wealth Management in Johnson City, TN! 👋⁠
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If you've called our office or stopped in to sign paperwork, there's a good chance Michelle was the one who made it feel easy. As our Client Service Associate, she brings 35 years of banking experience to the team, and for the past five years she's put all of that know-how to work taking care of our clients from the very first hello.⁠
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From keeping account details organized to tracking down answers to your questions, Michelle is a big part of why working with a fiduciary financial advisor in Johnson City feels personal here... like you're talking with someone who actually knows you.⁠
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When she's not at the office, you'll probably find her somewhere off the beaten path in East Tennessee, wearing orange on game day, or hunting down her next vintage find. Just maybe don't ride sh***un on the way there. 😉⁠
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📍 BCS Wealth | Johnson City, TN⁠
☎️ (423) 283-9821⁠

10/14/2026

We've been talking a lot lately about donating appreciated stocks... and it's easy to see why. For some people, donating stock that's grown in value can be a more tax-efficient way to give than writing a check.⁠
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When eligible appreciated stock is donated directly to a qualified charity, the donor may be able to avoid recognizing the capital gain that could arise from selling the shares first. The charitable deduction and other tax consequences depend on the donor's circumstances and applicable tax rules.⁠
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🎁 It's one of those charitable giving strategies that's often overlooked, but it may be worth a conversation if giving is part of your bigger financial picture.⁠
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Curious if this fits your situation? Call to schedule an appointment.⁠
BCS Wealth | Johnson City, TN / (423) 283-9821⁠
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📍This content is for informational purposes only and does not constitute investment advice. Investing and tax strategies involve risk. Consult your tax, legal, and accounting professionals regarding your individual situation before making financial decisions.⁠
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10/12/2026

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and needed money immediately.⁠
What she'd heard wasn't her daughter. It was an AI-generated clone of her voice. In a 2025 study, scientists found that when people heard a cloned voice, they correctly identified the voice as AI-generated only about 60 percent of the time.⁠
‼️The FBI attributed nearly $893 million in 2025 losses to AI-enabled fraud. Voice cloning is one of several emerging AI-powered tactics criminals use to impersonate trusted individuals and create convincing scams. It is not only older adults being targeted. Younger family members get these calls too, often framed as a sibling or friend in trouble. Older adults just tend to lose the most per incident.⁠
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Two ways to protect your family:⁠
🔴 Agree on a private code word or question with the people a scammer is most likely to impersonate (kids, parents, spouse).⁠
🔴 If a call like this comes in and you haven't set up a code word yet, hang up, then call the real person back.⁠
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When in doubt, slow down and verify.⁠
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BCS Wealth | Johnson City, TN / (423) 283-9821⁠
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Moneywise, June 5, 2026. http://moneywise.com/news/top-stories/fbi-ai-deepfake-voice-cloning-scams-losses⁠
Nature.com, 2026. https://www.nature.com/articles/s41598-025-94170-3⁠
FBI.gov, 2026. http://fbi.gov/news/press-releases/cryptocurrency-and-ai-scams-bilk-americans-of-billions⁠
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We are going pink in support of breast cancer research. This October, our BCS office has a variety of events to raise mo...
10/09/2026

We are going pink in support of breast cancer research. This October, our BCS office has a variety of events to raise money toward our Got Pink goal supporting the American Cancer Society.⁠ Since 2014, the Got Pink team has raised over $50,000 towards finding a cure for breast cancer.⁠
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Breast Cancer Awareness Month is also an opportunity to prioritize health.⁠
Early detection through regular screenings is one of the most effective tools we have in the fight against breast cancer.⁠
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Here are a few small things we can do this October:⁠
🩷 Schedule your annual screening if you haven't yet⁠
🩷 Educate yourself and others on risk factors and preventative lifestyle habits⁠
🩷 Support research and organizations dedicated to advancing breast cancer prevention and care⁠
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Taking charge of your health today can make a real difference for tomorrow.⁠
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BCS Wealth | Johnson City, TN / (423) 283-9821⁠

Cyber criminals pay extra attention to accounts tied to money.⁠A 2026 FBI study found that over 12,400 of those victims ...
10/08/2026

Cyber criminals pay extra attention to accounts tied to money.⁠
A 2026 FBI study found that over 12,400 of those victims lost more than $100,000 each, and the average reported loss across elder fraud victims that year was $38,500. ⁠
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Here are a few habits to fine-tune your digital security this month:⁠
✅ Turn on multi-factor authentication everywhere it's offered. Yes, it's annoying, but according to a 2026 CISA report, using it makes an account roughly 99 percent less likely to be broken into. It only takes a minute to set up.⁠
✅ Give every account its own strong password. Reusing one password means one leaked login unlocks everything else, and a password manager can help without requiring you to remember dozens of them. ⁠
✅ Change any password promptly if you believe it's been exposed or compromised.⁠
✅ Pause before clicking. Phishing remains the most commonly reported cybercrime in the country, more than any other category the FBI tracks.⁠
✅ Check statements regularly, and turn on account alerts. Catching something small and wrong early is a lot easier to unwind than catching something large and wrong months later.⁠
✅ Consider freezing your credit if you're not actively applying for new credit or loans.⁠
None of this requires becoming a security expert. Pick the one or two that you've been putting off, and do it this week.⁠
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📍 BCS Wealth | Johnson City, TN⁠
☎️ (423) 283-9821⁠
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CISA.gov, 2026. https://www.cisa.gov/topics/cybersecurity-best-practices/multifactor-authentication⁠
Federal Bureau of Investigation, 2026.⁠
https://www.fbi.gov/news/press-releases/fbi-releases-annual-internet-crime-report

Join us in wishing Eliza a very happy birthday!🎂 We’re grateful for all she brings to our team and hope the year ahead i...
10/07/2026

Join us in wishing Eliza a very happy birthday!🎂 We’re grateful for all she brings to our team and hope the year ahead is filled with memorable moments and plenty of reasons to celebrate.

There’s a reason so many women business owners half-joke that their real title is "everything."⁠💁‍♀️ More women than eve...
10/05/2026

There’s a reason so many women business owners half-joke that their real title is "everything."⁠
💁‍♀️ More women than ever are starting and running businesses, and they're doing it at a faster clip than the market overall. Census data show women now own more than 14 million businesses nationwide, a number that's grown 26 percent since 2012, compared with 19 percent growth for businesses as a whole. A lot of that growth is happening online, where women-owned businesses tend to be more digitally integrated than those owned by men.⁠
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It also means millions of women are managing key decisions from scratch:⁠
🔸How income gets paid (salary, distributions, or owner draws) and what that means at budget time. ⁠
🔸Which retirement vehicle fits, and how much room there is to contribute⁠
🔸How healthcare, disability, and other insurance get sourced without an employer default⁠
🔸How the business gets valued, and what a sale or transition would actually look like⁠
🔸How personal finances stay untangled from the business's finances⁠
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Wearing a tall stack of hats doesn't make entrepreneurship harder than it's worth. Plenty of women running these businesses would say the trade-offs are part of the deal. But it does mean the hats keep stacking up, one on top of the other.This month is a good time to tip our own hats to the women doing it all at once. 👏👏⁠
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Know a woman entrepreneur or women-owned business making moves? Tag her below... help us celebrate her this month.⁠
📍BCS Wealth | Johnson City, TN ⁠
(423) 283-9821⁠

SOURCES⁠
U.S. Census Bureau, November 20, 2025.⁠
https://www.census.gov/newsroom/press-releases/2025/business-owner-characteristics.html⁠
EPOP.norc.org, 2026.⁠
https://epop.norc.org/content/dam/epop/media/in-the-news/pdf/2025-women-business-ownership-fact-sheet.pdf⁠
Quickbooks.intuit.com, March 2025.⁠
https://quickbooks.intuit.com/r/small-business-data/womens-history-month-report-2025/

10/02/2026

⏰ What's one financial decision you've made that helped you feel more prepared for your future?⁠
For some of the people we work with, it's not a single investment or product... it's taking the time to create an overall strategy.⁠
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📅 October is Financial Planning Month. It's all about how the pieces of your financial picture fit together to help you pursue your financial goals.⁠
It's about putting together a comprehensive approach that manages your investments and retirement and provides for your loved ones. The goal is to stay flexible enough to adjust as things change.⁠
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If you've been meaning to update your strategy or create one for the first time, it's never too late to start.⁠
Know someone who could use some fresh financial ideas? Share this post with them.⁠
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📍BCS Wealth | Johnson City, TN ⁠
(423) 283-9821⁠

09/25/2026

First, it was FAANG.⁠
Then it was the Magnificent 7.⁠
Now investors are hearing about MANGOS.⁠
The acronym refers to a group of companies tied to AI, including Meta, Anthropic, Nvidia, Google, OpenAI, and SpaceX.⁠
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It is a catchy way to describe where market attention is flowing. But it is not the same thing as an investment strategy. Market acronyms tend to emerge after a group of companies has already captured investor attention. They can be useful shorthand, but they can also make concentrated bets feel more disciplined than they really are.⁠
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✅ Long-term investing often requires a strategy that reflects your goals, time horizon, risk tolerance, and understanding the role each investment plays in your life.⁠
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AI may continue to reshape markets. Some of these companies may play an important role in that story. But portfolios should be built around a strategy, not a slogan. That is where guidance from a financial professional can help.⁠
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🔸Keep in mind that any companies mentioned are for illustrative purposes only. It should not be considered a solicitation for the purchase or sale of the securities.⁠
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This content is for informational purposes only and does not constitute investment advice. Investing and tax strategies involve risk. Consult your tax, legal, and accounting professionals regarding your individual situation before making financial decisions.⁠
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📍 BCS Wealth | Johnson City, TN⁠
☎️ (423) 283-9821⁠
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09/23/2026

🔶 Some investment professionals may consider a position of 10% or more in a single stock to be called a concentrated position. Some investors don't realize it when they have one. It's usually not a conscious decision. Ten years go by, and one company's stock becomes a large percentage of⁠
the portfolio. In many cases, that's less about loyalty and more about portfolio concentration.⁠
A few questions you might consider:⁠
🟠 If the stock dropped tomorrow, what would change for your family?⁠
🟠 Is the position there because selling always felt premature?⁠
🟠 Has the embedded capital gain quietly become the reason nothing has been done?⁠
There may be strategies available to help manage a concentrated position while addressing tax considerations. The appropriate approach depends on the individual's circumstances.⁠
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Find out more at our link in bio or call to schedule time to sit down together.⁠
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📌 Before any action is taken, it's important to consult your tax, legal, and accounting professionals so you understand the tax consequences of any decision. This content is for informational purposes only and does not constitute investment advice. Investing and tax strategies involve risk. Consult your tax, legal, and accounting professionals regarding your individual situation before making financial decisions.⁠
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📍 BCS Wealth | Johnson City, TN⁠
☎️ (423) 283-9821⁠

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Johnson City, TN

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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+14232839821

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