OUR EXPERTISE
BEHIND THOMAS FINANCIAL
Andy Thomas is a CPA and CFP® practitioner who holds an undergraduate degree in Business Administration and a master’s degree in accounting. With over 15 years of experience in the financial services industry, Andy has a broad and deep background from which to pull, ensuring our client’s specific needs are sure to be addressed. Further, Andy spends over 100 hours per year focusing on continuing education, ensuring his knowledge is up to date with everything from tax law changes to financial planning best practices.
AREAS OF FOCUS
We provide comprehensive financial planning and investment management by focusing our attention on six key areas.
In doing so, we act as your personal CFO to manage the details of your financial life and make sure things get taken care of. We provide holistic, specific, and actionable guidance for all your financial needs.
Our 6 Key Areas Of Focus
INCOME
Determine Necessary And Discretionary Expenses
Create Spending Plan Utilizing ‘Guardrails’ To Maximize Safe Spending
Create Income Projections Using Multiple Assumptions On Savings, Rates Of Return, Inflation, Spending, And Time Horizon
Social Security Analysis
Distribution Planning
INVESTMENTS
Detailed Risk Analysis To Determine Risk Tolerance, Capacity And Need
Behavioral Planning For Market Downturns
Build Efficient, Low Cost And Tax Efficient Portfolios According To Your Goals, Risk Tolerance And Time Horizon
Asset Location Analysis
Investment Fee Analysis
TAXES
Review Prior Year Returns
Explore Sheltered Vehicles
Avoid Large Out-Of-Pocket Tax Expenses And Tax Refunds
Build Strategies On How To Efficiently Incorporate Your Business Into Your Financial Plan
Tax Loss Harvesting Opportunities
Review And Monitoring Of Tax Law & Regulatory Changes
Tax Liability Liquidity Issues
RISK MANAGEMENT
Emergency Fund Planning
Life Insurance Analysis
Home/Auto/Liability Coverage Analysis
Long Term Care Analysis
Medicare Planning (Appeal IRMAA)
CASH FLOW & SAVINGS
Determine Necessary Savings To Meet Goals
Net Worth Tracking
Identify Areas To Free Up Cash Flow
Employee Benefit Review
Debt Repayment Plan
Education Savings Plan
ESTATE PLANNING
Recommend Appropriate Estate Documents
Family Legacy Planning
Beneficiary Checkup
Special Needs Planning
Charitable Gift Planning
Estate Liquidity Planning