Trebuchet, established in 2006, provides financial planning and wealth management services to
clients. As a registered investment advisor subject to Section 206 of the Advisers Act,
Trebuchet acts as a Fiduciary related to the conduct of its investment advisory services. As such
Trebuchet has an obligation to act in the best interest of its clients guided by the core fiduciary
duties of loyalty and care.
We provide personalized financial counseling solutions to assist clients with a wide range of
services including asset accumulation, allocation, preservation, growth and transfer. We
recognize that each client presents a unique set of circumstances and therefore our services are
tailored to match the particular needs of each client. Clients are permitted to impose
restrictions on investing in certain securities or types of securities. Depending on the
requirements of the client, Trebuchet provides the following consulting services:
Asset Accumulation Services
Includes advice and consultation for asset accumulation events such as salary, bonus, stock
options, retirement plans, sale of a business, gifts, life insurance and inheritance. Provide
professional integration of income tax, estate tax, retirement and investment planning.
Asset Allocation Services
Asset allocation is the way in which you spread your investment portfolio among different asset
classes, such as stocks, mutual funds, alternative investments, real estate and bonds. Our
services provide clients with personalized advice on the proper asset mix for their investment
time frame, goals and tolerance for risk.
Asset Preservation Services
The protection of assets includes adequate insurance and the use of appropriate legal entities.
This service includes a review of the clients need for insurance – life, homeowners, automobile,
personal, excess liability and long-term health care insurance. Additionally, we provide advice
concerning establishment or maintenance of trust, partnerships and corporations.
Asset Growth Services
Services include the implementation of a personalized investment strategy including the
recommendation of appropriate investment selections.
Asset Transfer Services
Providing advice to optimize the transfer of assets through appropriate investment vehicles,
legal structures, coordination of ownership, beneficiary designation and methods of assets
transfer.
Rollover to IRA
Investors considering rolling over assets from a qualified employer-sponsored retirement plan
(“Employer Plan”) to an Individual Retirement Account (“IRA”) should review and consider the
advantages and disadvantages of an IRA rollover from their Employer Plan. A plan participant
leaving an employer typically has four options (and may engage in a combination of these
options):
(1) Leave the money in the former employer’s plan, if permitted;
(2) Rollover the assets to a new employer’s plan (if available and rollovers are permitted);
(3) Rollover Employer Plan assets to an IRA; or,
(4) Cash out the Employer Plan assets and pay the required taxes on the distribution.
At a minimum, Investors should consider fees and expenses, investment
options, services,
penalty-free withdrawals, protection from creditors and legal judgments, required minimum
distributions, and employer stock. Trebuchet encourages you to discuss your options and
review the above listed considerations with an accountant, third-party administrator,
investment advisor to your Employer Plan (if available), or legal counsel, to the extent you
consider necessary.
By recommending that you rollover your Employer Plan assets to an IRA, Trebuchet and your
financial advisor may earn fees based on the terms of your management agreement. In contrast,
leaving assets in your Employer Plan or rolling the assets to a plan sponsored by your new
employer likely results in little or no compensation to Trebuchet. Trebuchet has an economic
incentive to encourage investors to rollover Employer Plan assets into an IRA managed by
Trebuchet. Investors face increased fees when they move retirement assets from an Employer
Plan to a Rollover IRA account. Even if there are no costs associated with the IRA rollover itself,
there will be costs associated with account administration, investment management, or both. In
addition to the fees charged by Trebuchet, the underlying investment (mutual fund, ETF, annuity,
or other investment) charges a management fee. Custodial and trading fees also apply. Investing
in an IRA with Trebuchet will typically be more expensive than an Employer Plan.
IRA Rollover Recommendations
Effective December 20, 2021 (or such later date as the US Department of Labor (“DOL”) Field
Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL’s
Prohibited Transaction Exemption 2020-02 (“PTE 2020-02”) where applicable, we are providing
the following acknowledgment to you.
When we provide investment advice to you regarding your retirement plan account or individual
retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement
Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing
retirement accounts. The way we make money creates some conflicts with your interests, so we
operate under a special rule that requires us to act in your best interest and not put our interest
ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give
prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal
advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best
interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.
Additional resources about IRA Rollovers are available to investors through FINRA’s web site at
www.finra.org.
The principal owner of Trebuchet is John P. Krolikowski.
As of January 23, 2023, non-discretionary regulatory assets under management were
approximately $677,043,388.