Thibaut Financial Strategies is a full-service investment advisory firm.

Part of planning for your future involves making educated decisions about managing your wealth and savings. Thibaut Financial Strategies has the knowledge to guide you through the increasingly complex roadmap of investments that are available to you in today’s growing financial market.

Investing is also about taking steps to protect your financial future. Investors should develop a plan that addresses specific shortand long-term goals and that can be maintained and adjusted, as appropriate.

On the road to financial independence, you don’t have to go at  it alone and risk making the wrong projections. If you don’t have expertise in financial products and planning, or aren’t extremely well versed in the markets, Thibaut Financial Strategies is here to help.

401k Rollovers

Have you left your current job or are planning to? There can be a myriad of choices of what to do with your hard earned savings andwe understand how overwhelming it can be. Due to the lack of clarity, people can end up with multiple accounts in a variety of places. We will guide you through each step of the process.

What is a 401k rollover?

A 401k rollover is when you leave your current employer and  move the money that was in your 401k into a traditional IRA or Roth IRA. If the funds are sent to you via check you have 60 days to put the funds back into an account to avoid the IRS fees and taxes.

Things to consider: The wrong decision can cost you!

  1. Fee structure – most people do not know that they are currently paying advisor fees and mutual fund fees in your existing 401k plan.
  2. Risk Tolerance – How are your investments going to be set up? We will guide you through the right choice here.
  3. Proper Procedure to move the money – we complete 401k rollovers on a weekly basis and know the intricacies to guide you through the process penalty and tax free.
  4. 60 day rule – Remember if your previous employer sent you a check, you have 60 days to get a new account opened and the funds deposited.

Click here if you would like us to guide you through the process

Individual Retirement Account (IRA)

Retirement may seem far away, but it's never too early to determine how much you'll need and to begin the process of saving. Making smart financial decisions now can help impact how you live in retirement. We can assist you along the way with our Individual Retirement Account (IRA) program—it’s designed to help you reach your retirement goals.

An IRA is a tax-deferred personal savings account that allows you to save for retirement without a company-sponsored plan. Throughout your lifetime, you can make tax-deductible “contributions” to your IRA, which you can then invest in basic securities such as stocks and bonds. For 2019, the annual amount you can contribute to an IRA is the lesser of 100% of earned compensation or $6,000. If you are age 50 or older (as of December 31 of the tax year to which the contribution relates), you are eligible to contribute an annual “catch-up” contribution each year of up to $1,000.

With a traditional IRA—the most common type of IRA—income taxes are deferred until you withdraw them, so you don’t pay annual federal (and, in many cases, state) income taxes on your earnings. At age 59 ½, you can make taxable withdrawals from the account called distributions for your retirement. If you choose to take distributions before you turn 59 ½ years old, the government imposes a premature distribution penalty of 10% on your withdrawal. Additionally, when you turn 70 ½ years old, you are required to take distributions by April 1 of the calendar year.

Click here if you would like us to contact you about an IRA

Roth IRA Account

Unlike the traditional IRA, contributions to the Roth IRA are considered “after-tax” and therefore not deductible, but you can take distributions from the Roth IRA tax-free. The maximum annual contribution to the Roth IRA for 2019 is $6,000, with an additional $1,000 “catch up” contribution allowed each year for individuals age 50 and older (as of December 31 of the tax year to which the contribution relates).

The Roth IRA became an option after the Taxpayer Relief Act of 1997, and allows for investors filing single on their taxes with a modified adjusted gross income in 2019 of less than $132,000 or married couples filing jointly with a combined adjusted gross income of less than $194,000 annually, to make limited, annual contributions toward retirement. There is no mandatory age at which you are required to take distributions from the Roth IRA, and there is no premature distribution penalty for amounts you withdraw from the principal.

If you make above the IRS income limits, you can still contribute to a back door Roth

Click here if you would like us to contact you about a Roth IRA

Brokerage Account

If you have money that isn’t to be allocated to a retirement or qualified account, we can open a non-qualified account. We can purchase and hole the three basic types of investments in the account for you.

The three basic types of investments (called asset classes):

  • Stocks are instruments of equity and represent shares of ownership in a company. They rise and fall with investor perception of the company’s potential or other stock market factors, such as the outlook for the company’s industry, the political climate or the strength of the economy.
  • Bonds are instruments of debt that represent loans issued by the government or a company. Investors who purchase bonds receive, from the issuer, a stated rate of interest and the promise of repayment of the principal amount when the bond reaches its stated maturity date. Interest-rate movements up or down typically have the greatest impact on bond prices.
  • Short-term/cash-equivalents are low- or no-risk investments that generally have lower expected yields than stocks, bonds and other investments - cash-equivalents may not yield enough to keep up with the rate of inflation. Cash-equivalent investments include the following:
  • Certificate of Deposit (CD)s represent fixed, interest-bearing time-deposits with a bank or other FDIC-insured institution.
  • Money Market Accounts represent portfolio-based investments that derive their value and generate interest by purchasing a variety of short-term debt instruments, including Treasury bills, CDs, bankers acceptances and commercial paper. 

Click here if you would like us to contact you about a Brokerage account