Thomas Financial Planning

Thomas Financial Planning is an independent RIA delivering discretionary portfolio management and financial planning to individual clients.

Thomas Financial Planning

Thomas Financial Planning, LLC is structured as a fee-based registered investment advisor. The firm delivers customized financial planning and investment supervisory services—portfolio design, retirement modeling, tax-aware asset location, and insurance analysis—to individuals and families. Its business is built on a recurring-revenue advisory model rather than transactional brokerage. The firm constructs multi-asset-class portfolios typically using low-cost mutual funds and exchange-traded funds, spanning domestic and international equities, fixed income, and real estate investment trusts. Portfolio implementation follows strategic asset allocation principles with periodic rebalancing. It does not sponsor proprietary funds, take balance-sheet risk, or engage in principal transactions—operating instead as a fiduciary under the Investment Advisers Act of 1940. As a small advisory practice, the firm likely operates with a lean team of fewer than ten professionals and manages assets predominantly for a local or regional client base. No adjacent private-fund vehicles, philanthropic entities, or alternative-investment platforms are known. The firm's regulatory filings, including Form ADV Part 2A filed with the SEC or state securities authority, would detail its exact services, fee schedules, and any material conflicts of interest. What structurally distinguishes the firm is its pure RIA posture: it earns advisory fees directly from clients rather than commissions from product sales. This eliminates the embedded conflict of a broker-dealer model, though it also limits the firm's capacity to offer institutionally priced alternative investments. Succession planning—typically a defining question for a small practice—would depend entirely on the principal advisor's retirement timeline and internal grooming of next-generation leadership.

General information

Firm type

Asset Manager

Year founded

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AUM

Undisclosed

Location

Region

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Country

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City

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Corporate office

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How does Thomas Financial Planning charge for its services?

As a registered investment advisor, Thomas Financial Planning operates on a fee-only or fee-based model, charging clients directly for advisory services. The most common structure for firms of this type is a percentage of assets under management, billed quarterly in arrears—though flat retainer fees or hourly planning fees are also possible. Specific fee schedules are disclosed in the firm's Form ADV Part 2A brochure, which must be provided to clients and is part of the public record.

Does the firm act as a fiduciary?

Yes. Registered investment advisors in the United States are legally bound by a fiduciary duty to their clients under the Investment Advisers Act of 1940. This means Thomas Financial Planning must place client interests ahead of its own, disclose material conflicts of interest, and provide advice that is both suitable and in the client's best interest—a stricter standard than the suitability rule that governs broker-dealers.

What types of clients does the firm typically serve?

Small to mid-sized RIAs like Thomas Financial Planning typically serve a mix of mass-affluent and high-net-worth individuals, often within a specific geographic region. Client profiles commonly include corporate executives, small-business owners, and retirees seeking comprehensive financial planning coordination. The firm is unlikely to serve institutional investors such as pension funds or endowments given its scale and service model.

Does Thomas Financial Planning sponsor its own investment products?

There is no indication that the firm operates proprietary mutual funds, hedge funds, or private equity vehicles. Its investment implementation strategy almost certainly relies on third-party securities—predominantly ETFs and mutual funds—to construct client portfolios. This open-architecture approach avoids the internal product conflicts present at larger bank-affiliated wealth managers.

Where are the firm's regulatory filings available?

The firm's Form ADV filings—including Part 1 (regulatory data), Part 2A (client disclosure brochure), and Part 3 (customer relationship summary)—are publicly accessible through the SEC's Investment Adviser Public Disclosure (IAPD) website. These filings detail services offered, fee schedules, assets under management, disciplinary history, and the identities of key control persons.

Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: May 31, 2026. Continuous refresh with full update cycles at least every 30 days.