Wealth Management

Objective, Holistic Advice

Collaborative Approach

We make financial decisions with you, not for you
We help you define your core financial beliefs
We develop options and design strategies that allow you to reach goals consistent with your core beliefs

Unparalleled Service Standards

Active, daily involvement by firm Principals
Personal accountability, strict confidentiality in all aspects
Communication flexibility / customized reporting

Our Strategy – there is no “one size fits all” strategy

Financial matters are deeply personal and advice should reflect that uniqueness
Unbiased, non-product based approach

Adavantages vs Traditional Service Providers

Customized Approach (not "fill-in-the-blank" templates)
Comprehensive Range of Services (not limited to specific vendors)
Entrepreneur/Family specific expertise (not a broad, generic approach)

Thome Financial's unique approach

Creative. Objective. Confidential.

These three words, located on the firm logo, articulate the firm’s philosophy. We believe a creative flow of ideas helps in enabling our clients quantify and reach their financial goals.

Working collaboratively, we explore solutions to multi-faceted situations without preconceived ideas. In short, each personal relationship is unique; the course should be as well.

We will always respect the confidentiality of your financial matters and make every effort to safeguard personal information.

FAQ's

Frequently Asked Questions

What’s your minimum account size?

For both asset management and financial planning / general consultation, there is not a minimum number of hours or fee.

At our initial consultation, we will discuss the nature and scope of the proposed relationship to determine if our firm is a good fit.

What are your fees?

Our consulting and planning rate is $275/hour. Asset management fees start at a maximum of 1%/year (charged quarterly).

Insurance and annuities are placed on a commission basis.

Where do you hold client assets?

Thome Financial is not a custodian and does not hold any clients assets. For investment management accounts, we suggest the use of Charles Schwab Institutional with whom we have negotiated reasonable fees and a strong service package. However, we are not limited in our use of custodians and will consider the use of trust companies, banks and other brokerages as the need arises.

Do you have a company brochure?

The ADV Part 2 is our regulatory disclosure document and is available upon request. All prospective clients will be given a copy and asked to read it thoroughly before engaging our firm. We also have traditional firm pieces explaining our suite of services and biographies of key persons.

Can I see a sample report?

Copies of sample financial plans, analysis and periodic performance reports are all available. Depending on the breath of service, we will review all relevant reports with you during the initial stages of our relationship.

What type of performance can I expect?

As every investment portfolio is different, so is individual investment performance. We do not disclose the performance of actual client accounts, but will share the specifics about the various investment vehicles we use for implementation including mutual funds, exchange traded funds or individual securities.

WilI you work with my other advisors (CPA, Insurance Agent, etc.)?

Of course. Many of our clients already have long standing professional relationships with other service providers. If appropriate, we will work in concert with others on your team to ensure our individual advice makes sense collectively.

Do you offer advice on “socially responsible” investing?

There is not one right answer for every investor. We have both the analytical tools and business experience to help develop investment portfolios that best reflect your ideals. We should be able to construct a portfolio that reflects your core values.

Thome Financial Management