Nate's Notes

Do you want to build a snowman?

With all the snow we’ve gotten in Vermont, this video seems fitting, especially with several important financial deadlines approaching. Click to watch my video. As a wealth manager, I encourage clients to take advantage of accounts and annual opportunities, because when you have time (your most valuable asset) and you enable the power of compound interest inside a tax-advantaged account, you unleash a powerful combination as you look to build your long-term wealth. With the 2

Nate Cloutier

Mar 51 min read

The fourth quarter is where legends are made.

The fourth quarter is where legends are made. Michael Jordan, Kobe Bryant, Tom Brady, and as much as I hate to admit it, Eli Manning… so many great athletes are defined by their late game heroics, and their ability to adjust their plan and execute when it matters most. It’s no different when it comes to financial planning and tax planning. Right now, we are in the 4th quarter, and time is running out to take advantage of certain opportunities that can help reduce your ta

Nate Cloutier

Nov 19, 20242 min read

Do you know what's spookier than Halloween?

Halloween can be spooky, but do you know what is even spookier? Not knowing how much risk you are taking with your current investment portfolio(s), especially during these uncertain times. Investors hear terms like “growth and income,” “aggressive,” “conservative,” “80/20,” “60/40,” and “target date retirement funds,” and think that those styles match what they are looking for. But do they actually align with your goals and objectives? Let’s take the guess work out of

Nate Cloutier

Oct 30, 20241 min read

Pullbacks are the stubbed toe of the stock market.

As I settled back in from vacation, I read an article from LPL Research that I thought was an interesting way to look at the market volatility that occurred a few weeks ago. The article was called “Pullbacks are Common but Painful.” LPL Research’s team kicks off the article by saying that “pullbacks are the stubbed toe of the stock market.” Just like stubbing your toe on the corner of the couch, even though it is painful at the time, it is “not worthy of full-blown panic.”

Nate Cloutier

Aug 19, 20241 min read

My journey and Cloutier Wealth put in the national spotlight.

Back in December, I went out on my own because I wanted to build something special with Cloutier Wealth Management. It’s only been seven months, but early on I knew it was the best business decision I’ve ever made. In that time, my unique approach to wealth management caught the eye of the firm's custodian, LPL Financial, and I was asked to be a part of a panel and speak at LPL’s annual conference in San Diego. Unfortunately, I am unable to attend, but was recently featured

Nate Cloutier

Jul 8, 20241 min read

You Aren't Alone.

You may know about Traditional and Roth IRAs, but a lot of people miss out on the opportunity to save more because they didn’t know that … You can contribute to an IRA each year you’ve earned income You can contribute to your spouse’s IRA even if your spouse did not earn income You can contribute to a traditional IRA even if you make too much money to get a deduction You can potentially contribute to a Roth IRA even if you make too much money to contribute directly to this

Nate Cloutier

Mar 25, 20241 min read

IMPORTANT DISCLOSURES

-Advisory Services offer through LPL Financial, a registered investment advisor.

-Cloutier Wealth Management and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.

-Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Investing involves risk including loss of principal. No strategy assures success or protects

against loss.

-Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

-A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.