# Thomas Financial Planning

Thomas Financial Planning is an Asset Manager.

## Overview

- **Organization type:** Asset Manager
- **Assets under management:** Undisclosed

## Regulatory record

- **CRD number:** 120726
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/120726

## About

Thomas Financial Planning, LLC is a state-registered investment adviser with $19 million in regulatory assets under management. The firm has 1 employee and 1 investment adviser. It operates with a single office.

## Questions

### 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.

### 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.

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Last updated: 2026-06-03T20:00:00.000Z

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