Experience

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  G f thomas advisory group

  Jan 1987 - now

  Ceo and founder

  Over the years, my areas of emphasis have evolved into retirement planning and investment portfolio management. I have derived great satisfaction from helping my clients prepare for a satisfying retirement so they can look forward to a bright future. As I develop trust relationships with them over time, we touch on many facets of their lives. I also refer them to other professionals for further discussion. • Retirement Planning What plan to establish, contributions within the limits, income over one’s lifetime, RMDs, Social Security, Medicare• Investment Portfolio ManagementActively managed, diversified portfolios, including mutual funds, stocks, bonds, ETFs, CDs, annuities, currency, metalsSustainable and Responsible investing• IRA Rollover/Distribution Planning Receiving and distributing IRA assets• Consultation on Long-Term Care Insurance Long-term care insurance, as part of the overall plan, benefits, costs, self-insuring• Consultation on Real Estate Buying/selling a home, relocating or purchasing a second home, owning rental property• Education Funding Plans (such as 529 plans)Setting aside enough money for children’s or grandchildren’s education, taking advantage of tax breaks• Debt Reduction and Cash Reserve StrategiesIs it prudent to reduce debt now that interest rates are so low? How much to save for cash reserves and emergencies, and where to keep it.• Disability Risk Management Disability coverage, costs, how much is enough• Life Insurance Analysis What is an adequate amount of insurance? Using insurance to help heirs pay estate taxes• Estate Planning and Wealth TransferProtecting heirs, medical directive, power of attorney, annual gift tax exclusion for 2013 is $14,000• Referrals to estate planners, tax preparers, mortgage brokers, real estate brokers, insurance brokers, estate liquidators, fiduciaries Show less