Comprehensive Financial Planning
Asking you the right questions then listening to discover your goals and then make recommendations that will help you to achieve them. We impart Biblical principles, when appropriate, to the advice that we give.
Investment Planning
We actively manage portfolios to help clients preserve their capital especially when the big drops come. We have learned that big losses hurt more than big gains help. Our minimum is $100,000 for this service.
Do You Own Individual Stocks?
Mr. Cloud will review your current stock holdings, at no charge and tell you which ones he would keep and sell. Thomas Cloud competes against 85,000 people who manage over 100,000 model portfolios at http://www.marketocracy.com/ and ranking in the top 100 (for 5 years) and top 5% for most other time frames. Our minimum is $250,000 for this service. Click here to see how our stocks have performed since February 2003.
Retirement Income Planning
Again we work with institutional level partners (i.e. AAM, LLIS, and Income Solutions) that allow us to design fixed income portfolios for our clients that are safe and yet provide a competitive income stream to our clients. We use mutual funds, individual bonds, and annuities. This service is for for transitioning Investors (both active employees and retirees), who want or need to convert a portion of their "nest egg" or retirement assets into a reliable income stream.
Alternative Investments
For qualified investors or high net worth individuals only. One of our oil and gas programs provides investors with a 95% tax benefit (under 2009 tax laws) in year 1 and has a 2 decade historical IRR in the high teens. We also have real estate and other non-correlated investment opportunities that provide diversification away from inflationary (commodities, stocks, and real estate) assets and have a proven track record of performance.
Insurance Planning
Because we are fee-only we do not sell insurance for a commission. However, we partner with a team of experts in finding the right insurance based upon a client’s needs. We are able to help our clients get the right coverage at lower rates. We advise on life, disability, and long term care.
Charitable Gifting and Estate Planning
For those of you who want to leave money to God's Kingdom in addition to your family members, we offer estate planning advice. We work with a team of experts with years of experience helping families with net worth's over $5 million and a desire to reduce estate taxes.
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