Robert Thomas Financial

Comprehensive Financial & Retirement Planning Services

Unique Strategies to Empower Your Financial Goals

With many years of experience and industry knowledge, I’ve seen it all, or nearly all. I understand each client is unique and faces different challenges, which is why I take a personalized approach to financial and retirement planning. After I understand the client’s needs, I can offer the following services to help reach their goals.

Financial Planning

Many clients come to us seeking clarity and direction in their financial planning. They may feel overwhelmed by the numerous options and lack a comprehensive understanding of how to achieve their financial aspirations. I provide a clear roadmap and help them define their short-term and long-term goals, which can include paying off debt and saving for big ticket items like a car, trip of a lifetime or a college education.

Retirement Income Planning

If you combine your accumulated assets with projected Social Security earnings, will you have enough to retire and stay retired? I can help you answer this question and others as we look at how your income streams can work together in retirement. We can also review your retirement accounts like 401(K)s and IRAs to see if those accounts are working in your favor. I can suggest adjustments or explain the benefits of an IRA rollover when it comes to taxes.

Social Security Maximization

Choosing when and how to draw Social Security can be a tough decision with hundreds of options. Decisions should always be made based on your specific situation, such as marital status, income need and timing. Making the best choice also can depend on additional savings and retirement accounts you may have. I hope to help you navigate the possibilities, so you get the most from your hard-earned benefits.

Tax Minimization Strategies

Tax planning is a critical part of preparing for your financial and retirement future, as every extra dollar in tax savings can be allocated to other goals. I offer customized tax strategies to maximize tax advantages while navigating tax law changes and IRS requirements. While most people want to pay their fair share of taxes, they don’t want to over-pay. I partner with CPAs and accountants to help with tax-related issues to make sure Uncle Sam isn’t taking too much of your hard-earned savings.

Health Care Planning

One financial risk to consider as one ages is access to adequate health care and the associated costs. I work with clients to secure long-term health care insurance to help pay for expenses associated with a long-term illness or condition not covered by traditional health insurance or Medicare. I also work with clients to help them decipher the many Medicare and Medicare supplement options. Being well-informed in these areas is essential to making your health care dollars stretch while having the proper coverage in place.

Wealth Management

You’ve worked hard over the years to save for your future and grow your wealth. After the accumulation phase, many clients are concerned about preserving and protecting their wealth. I can explain the various strategies available to minimize market risk while preserving precious assets. No matter what phase you are in, I can help you get the most out of your nest egg so that it’s there for you in retirement.

Legacy Planning

There are many ways to leave a legacy. Life insurance can serve as an important financial safety net for a spouse, children or other loved ones. Funds can be used to pay off a home, provide for a college education or make sure that a spouse is not forced to adjust their lifestyle. I also work with clients to solidify their legacy and estate wishes when it involves protecting assets, minimizing taxes and passing along wealth to heirs or a charity. I am happy to work with your attorney to draw up the necessary legal documents. When it comes to life insurance and legacy planning, it’s best to prepare today while time is on your side.

Business Solutions

Business owners have unique financial concerns that are often put on the back-burner due to the demands of day-to-day operations. It’s important to stop and assess these areas and the impact on the bottom line: succession planning, tax implications, cash flow efficiencies, employee retention and benefits. I have experience helping business owners and entrepreneurs explore their options and implement new strategies.

Share by: