Business Details
22 Years
experience
Expert Financial Planning Services in Cleveland
Jerry C. Thomas is a dedicated financial advisory firm specializing in insurance planning and wealth management. With over two decades of industry experience, we provide personalized solutions for life insurance, disability insurance, long-term care, and annuities. Our team adheres to the CFP Board's Practice Standards, ensuring a fiduciary approach that prioritizes client needs. We partner with 20+ insurance carriers to deliver tailored recommendations, offering comprehensive policy reviews and educational resources.Our expertise in risk management and advanced planning strategies serves individuals and businesses seeking reliable financial protection. We emphasize transparency, ethical practices, and ongoing support to help clients achieve long-term financial security.
Services
Life Insurance
Disability Insurance
Annuities
Long-Term Care
Policy Reviews
Details
- Year established: 2004
Highlights and features
- We follow CFP Board's fiduciary standards putting your interests first
- Partner with 20+ insurance companies for comprehensive options
- Offer free policy reviews to ensure coverage alignment
- Specialize in physician-focused disability insurance planning
- Provide educational guides for informed decision-making
Associations and certifications
- CFP Board
Services
Life Insurance
We help determine appropriate coverage amounts and select policies that align with clients' financial goals. Our expertise includes term life, whole life, and return-of-premium options. We analyze multiple carrier offerings to find cost-effective solutions while explaining policy features like cash value accumulation and death benefit structures.
Disability Insurance
We specialize in creating customized disability coverage addressing unique occupational risks. Our planning includes evaluating 'own occupation' policies, benefit amounts, and policy riders. We help professionals understand coverage limitations and ensure adequate protection against income loss from disabilities.
Annuity Planning
We analyze various annuity types including fixed, variable, and indexed options to create sustainable retirement income streams. Our guidance covers tax implications, fee structures, and liquidity considerations while comparing products from multiple providers to match clients' risk tolerance and financial objectives.
Long-Term Care
We develop comprehensive long-term care strategies incorporating traditional policies, hybrid life insurance riders, and annuity-based solutions. Our planning addresses rising care costs, policy exclusions, and integration with overall estate plans to protect assets while ensuring quality care options.
Policy Reviews
We conduct thorough evaluations of existing insurance policies every 3-5 years to ensure they remain aligned with current needs. Our reviews assess policy performance, benefit adequacy, and carrier reliability while identifying potential cost savings or coverage gaps requiring adjustment.
People
Jerry C. Thomas, CFP
Certified Financial Planner
Jerry C. Thomas is a CFP professional with 20+ years of experience in insurance and financial planning. He specializes in risk management strategies for high-net-worth individuals and business owners, holding licenses for life, health, and variable products.
Questions
What insurance products do you specialize in?
We specialize in life insurance, disability insurance, annuities, and long-term care solutions for individuals and businesses.
Are you a fiduciary financial planner?
Yes, as a CFP professional, we follow fiduciary standards requiring us to prioritize client interests above all else.
Do you offer policy reviews for existing coverage?
Yes, we provide free policy reviews to assess existing coverage and identify potential gaps or improvements.
Can you help with physician-specific insurance needs?
Yes, we offer specialized disability insurance planning tailored to physicians' unique occupational requirements.
How do you select insurance providers?
We work with 20+ top-rated carriers to ensure diverse options that meet each client's specific needs.
Videos
