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

 
 
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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

 
 
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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

 
 
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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)

 
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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

 
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ESTATE PLANNING

  • Recommend Appropriate Estate Documents

  • Family Legacy Planning

  • Beneficiary Checkup

  • Special Needs Planning

  • Charitable Gift Planning

  • Estate Liquidity Planning