Frequently Asked Questions (FAQs)
Why choose Thibeau Financial Consulting, LLC?
Completely Independent – I have no direct or indirect ties to any other financial firm.
No Sales – I have no financial products to sell.
No Commissions – I do not work on commission. I charge an hourly rate only.
Easy-To-Understand Language – I break down complex financial terms into words you can understand.
Relaxed Atmosphere – dealing with financial matters can be stressful, but learning about it and receiving guidance doesn’t have to be.
How do I know you aren’t a scam company?
I have worked in the financial industry in the state of Maine (based out of Bangor) for 12 years. I am registered with the Maine Office of Securities and you can find proof of my registration at this Securities and Exchange Commission (SEC) site: https://adviserinfo.sec.gov/.
I have been fingerprinted and am also regulated by the Maine Office of Securities. My firm and I will be audited by the Maine Office of Securities on a regular basis.
The Maine Office of Securities (and the Financial Industry Regulatory Authority [FINRA]) requires all Investment Advisers to prepare a Client Brochure (you can see it at the link above or here) which discloses all of my education, financial work history, and business operation information. I am happy to provide a copy to you by email, or mail, if you are unable to see it through either of the links above. I am also required to give clients a copy of this Client Brochure at the time the client chooses to do business with me, as well as annually, going forward.
Why do you charge the amount you charge?
Your fee covers much more than just our time together. It also covers:
Time spent in preparation, and doing research, for your meetings that you are not charged for.
Phone calls (outside of meetings), texts, and emails that you are not charged for.
Expenses and business fees
LLC and Investment Adviser Annual Registrations
Professional Membership Fees
Continuing Education
Insurances
Meeting Space Rental Costs
Computer Hardware and Software
Printer, Phone, Materials (Paper, Ink)
Advertising and Marketing
Where are you located?
I am based in Bangor, Maine. I do all of my “back office” work from my own home and because of the Covid-19 situation I am currently meeting with all clients by video calls and/or phone calls.
What are the things that you DON’T do?
I don’t sell any financial products
I don’t invest your money
I don’t place trades or provide brokerage services
I don’t give specific investment advice or build investment portfolios
I don’t provide comprehensive financial planning
I don’t provide retirement planning
I don’t provide tax advice or accounting services
I don’t provide legal advice
I don’t provide bankruptcy assistance
I don’t prepare estate planning documents or comprehensive estate settlement services
WHY NOT? Because there are several other firms in the Bangor area and throughout Maine that already offer these services.