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Employer Years Dates
Lauterbach Financial Advisors, LLC 15 years, 11 months May 2004 - Present

Designations & Memberships

  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Billy Defrance

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Is low inflation good for retirees?
Variations of the rate of inflation make it very difficult for retirees to predict their cost of living going forward. There are even discrepancies in what 'inflation' actually covers. It can actually be different for each person, based on their expenses and the inflation impact on their own spend...  (more)
Answered Feb 2015
I dont work no more can I cash in my 401k?
First, verify the terms in your plan. If it is an individually directed plan (you manage your own investments) you can likely distribute the funds any time. Just ensure that if your company owes you a match or other contribution, that it is funded prior to your taking funds out. You would not los...  (more)
Answered Mar 2015
In a divorce does the spouse have to wait for the other spouse to retire so they dont get penalized for getting it early?
This is usually plan specific, but in general, the plan likely has payouts related to the employee's age, time at the company and his status (retired or still employed). Any early distro would likely decrease the benefit amount. If the retirement were non pension (say a 401(k) or profit sharing pl...  (more)
Answered Jan 2015
Like to see how much I have to cash out.
Assuming you mean an employer sponsored plan, contact your plan administrator to see how to access your account. If you have a recent (or not so recent) statement, there may be details there. Keep in mind, the ability to cash out of a retirement plan usually depends on your employment status with ...  (more)
Answered Feb 2015
Rollover 401K vs. IRA?
You are right to be skeptical, but there is a definite advantage to IRAs, in my opinion. One is that you have more choices of how to invest, your withdrawal options are more liberal and less expensive, and you can move it if you like, where as in a plan you might be limited in all of these. It cou...  (more)
Answered Apr 2015
Is it possible to get money out of my 401k if i really need it?
You can access funds from your 401(k) in a few ways, if necessary, but there are costs to doing so.If your plan allows for a loan (or perhaps up to two loans), then you can borrow from the plan up to 1/2 of your vested account balance, usually with a minimum loan amount of about $1,000. Often, the...  (more)
Answered Jun 2015
Im a former employee from PLS finanical and im try borrow money from my 401k how do i do that?
Usually, you can not borrow unless you are currently employed. You may need to roll it into your current employer's plan in order to borrow....  (more)
Answered Jun 2015
How does a Certified Financial Planner (CFP) compare with a Chartered Financial Analyst (CFA)?
As a CFP Professional, I might be a little biased, though it is not my intention.A CFP Professional should be expected to deal with the broader financial plan, such as retirement along with insurance, investing, your personal spending/budgeting, determining the most tax efficient way to use your re...  (more)
Answered Jun 2015
I want to take a small loan out of my 401. What are the rules???
First and foremost, your 401(k) must allow for loans. Beyond that, most loans must be paid back within a 5 yr period. You can generally pay them off early with funds from your payroll or from outside your payroll. The interest rate that you pay (usually you get the benefit of the interest payment...  (more)
Answered Aug 2016
Is ok if I contribute 2% traditional 401k and 6% roth 401k? Is this a good mix or where I should I be contributing more?
First, I commend you on a stronger than usual participation in your 401(k), particularly at such a young age. I also concur with Robert's suggestion that it is likely you'd benefit more, in the long run, to have all going into the Roth at this point in your life. Your tax bracket is low and the ta...  (more)
Answered Dec 2015
Who offers the best 401k options and lowest fees in the industry currently?
Chris and Jared both point out important factors. The right plan will be a mix of good investments, good service and appropriate costs. Cheaper is not always better, but understanding where the costs are going is very important for a plan sponsor. Most companies will promise the moon in the area ...  (more)
Answered Sep 2016
I'm fixing to pay $500.00 to my ex-husbands lawyer for a QDRO because judge awarded me half of his 401k. My ex refuses to show me a recent statement from t rowe price showing me the balance in the account. Will the plan administrator give me this information?
As an investment advisor for 401(k) plans, I have helped many of my plan sponsors in their review of QDROs received from their employees' former spouses. Additionally, we pass them on to the plan's third party administrator. The QDRO is reviewed by their legal arm and they make the distributions b...  (more)
Answered Jan 2015
I worked at Batts Inc for 8yrs, was fully vested after 5yrs?
Julie, First, I'd caution you to include less of your personal contact information on a public forum. Please be careful.In order to get the current balance or location of plan assets, you will likely need to contact your old employer, assuming they still exist. The possible difficult task of trac...  (more)
Answered Mar 2015
Where can I get some info about my 401k balance?
Luis, Ditto on the above answers. Your HR person usually is the best contact point. Often, 401k sites are set up to allow you to opt out of paper statements in favor or online statements, and sometimes those opt outs are easy to do on accident. Also, if your plan is a pooled plan (your assets po...  (more)
Answered Feb 2015
I was sent a letter by the So. Sec. Admin. saying my deceased husband had an account with you.
I'd suggest you contact your local Social Security office directly and ensure the letter was from them, then ask them how whom you can contact....  (more)
Answered Aug 2015
For my company Profit sharing plan. I have 28 years in the plan and am able to make withdrawals 1 time per year.
The amount of tax you would owe for a distribution from your 401(k) would only be an estimate, since it can't be known what your actual marginal tax bracket would be at the end of the year. You had 20% withheld, as is standard, but if you had other income (which it appears you must have) then such ...  (more)
Answered Jan 2016
I had a 401K loan that went into default after termination. My employer cashed out my 401K to cover the loan.
Your employer would not likely have kept anything. When your loan was distributed to you, the stock was sold to fund the loan to you. Your loan was carried as the asset of your 401(k), and when you made payments, along with interest, that was credited back to your 401(k). When you stopped making ...  (more)
Answered May 2016
How is it possible to lose $14K in 8 months when the Dow is only 200 points when you're supposed to be mitigating risks?
It has been said by others before me, but perhaps you'd appreciate reading it again. First, a decrease of $14,000 could be a lot for a small portfolio, or it could be in line with the daily volatility for a larger account. Second, your allocation, most certainly is not going to act just like an in...  (more)
Answered Dec 2015
We are a 9 million dollar plan 401(k) with 38 participants. What should we pay in record keeping fees and TPA fees?
As mentioned, there could be other factors, but you can generally get set up with a reputable TPA where TPA and recordkeeping would have a base fee of about $2500 per year and a per-participant fee of about $70 ($2660 for 38 participants), for a total of about $5160, but keep in mind that some com...  (more)
Answered Aug 2015
Is ok if I contribute 2% traditional 401k and 6% roth 401k? Is this a good mix or where I should I be contributing more?
First, I commend you on a stronger than usual participation in your 401(k), particularly at such a young age. I also concur with Robert's suggestion that it is likely you'd benefit more, in the long run, to have all going into the Roth at this point in your life. Your tax bracket is low and the ta...  (more)
Answered Dec 2015
Should I rollover my 401k even though the old company (GE) 401k is rated fairly high by Brightscope?
There are many factors to consider. The first would be whether or not your old company will allow you to remain in their plan. If you balance is below a certain threshold, then they may roll your balance out or force a distribution (including sending a portion of your distribution to the IRS if t...  (more)
Answered Dec 2015
I need copy my husbands retirement plan and how much money I get each month. Elizabeth Seaberry act#AT999MDC6D1P7H9?
Ditto on David's answer. Additionally, please be very careful (read: don't do it) about putting account numbers on the web. It is a bad idea....  (more)
Answered Jun 2015
Can I get my 401k money out was told I had to wait one year was curious advisor wasn't sure on any other questions I ask?
What other questions did you have that the adviser could not answer? ...  (more)
Answered Sep 2016
I was employed by rummel eye care for 3 yrs what happens to the money when its not rolled over.
The funds could still be in the plan, or if you had below a certain balance, they may have sent it out to a rollover service, assuming that the plan is still in existence. Best option is to try your former HR, or look for contact information on an old statement from the plan.The balance may be low...  (more)
Answered Jun 2015
After 25 yrs i just found out they dont need me. What do i do with my 401k? Company matched.i am 60 yrs old.
First, you may not HAVE to do anything. Most plans, are required to allow you to remain invested in the plan when you leave (assuming your balance exceeds $5,000), though there are plenty of reasons you may want to get your assets out of the plan.If your plan is low cost, well diversified (probabl...  (more)
Answered Mar 2015
How do I draw my 401k out in full?
Several correct answers already, but your current status as an employee or prior employee is important as well. If you are still employed, and need the funds now (ie, not a rollover situation) there are two options, a hardship distro (most people's needs do not reach the standard set by the IRS or ...  (more)
Answered Jun 2015
How do I find out what my lazy boy pension is and when can I take it out?
Your best contact is likely the HR person at your employer/prior employer. They should be able to provide contact information where you can access your account, or pension details....  (more)
Answered Mar 2015
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
    • disclosures
    • as of date
      Nov 10, 2018
    • license status
      Not registered
    • disclosures
    • as of date
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


    Lauterbach Financial Advisors, LLC

    Last updated on March 18, 2020
      • $429.1M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 928
      • $462.3K
        Estimated Average Account Balance


    Types of Compensation Arrangements

    • Percentage Of Assets
    • Hourly Charges
    • Fixed Fees