There’s nothing more important to us than keeping your money and personal information safe and sound.
Finhabits is an SEC-registered investment advisor. With Finhabits, you can count on bank-level security that includes a 265-bit SSL-encrypted connection on our site.
And you can rest easy, since your money is held in accounts insured up to $500,000 by SIPC.
Finhabits uses exchange-traded funds. These ETFs include hundreds of companies like Tesla, Amazon, and Disney.
Finhabits diversify your portfolio investing in ETFs that include:
- U.S. stocks
- International stocks
- Government bonds
- Corporate bonds
- Real Estate Investment Trusts (REITs)
We invest your money in low-cost index funds managed by BlackRock, Vanguard, and Goldman Sachs. These funds incur on average a fee of 0.12% per year, which is charged in addition to the fee you pay Finhabits. Additional custodian charges that are not part of the normal service may also be incurred. Please review our ADV Part 2 for more details.
A rollover is when you move your retirement savings from an old employer-sponsored plan, such as a 401k or IRA account into a Traditional Finhabits IRA (Individual Retirement Account).
Our Traditional IRA simplifies your life. When you roll over to Finhabits, your retirement savings keep their tax-deferred status and you avoid triggering taxes or early withdrawal penalties.
A Finhabits IRA also provides your money with a diversified investment portfolio with low fees, particularly when compared with a 401k. Our automated deposits feature allows you to set up automatic deposits to continue savings for the future.
The expected long-term return of our investment portfolios for IRAs ranges between 4-8% per year.
Yes, you can add money to your Finhabits IRA with weekly, semi-weekly, monthly or annual contributions. Please check with your tax professional about your IRA annual contribution limits.
There are no tax implications if you complete a direct rollover properly into a Traditional IRA.
Invest your money with a real strategy
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