Do you need financial
and legal advice from
a qualified professional advisor?

Fee-only Investment Management
Estate Planning & Administration
Financial & Retirement Planning
Tax Planning & Preparation

Investment Management

In uncertain financial times when markets are volatile, it is important to have an advisor with your best interests in mind. You need a relationship with a knowledgeable advisor to help you achieve your long-term vision.

Internet-based investing sites promise to minimize conflicts and reduce fees, but they lack the personalized service that only a professional can provide in an office setting.

Estate Planning

Estate planning encompasses the accumulation, conservation, and distribution of an estate.

The overall purpose of the estate planning process is to develop a plan that will enhance and maintain your financial security. We discuss property ownership, probate avoidance, incapacity planning, and much more.

Financial & Retirement Planning

Although it is never too late to plan for retirement, the earlier you start, the easier it will be to accumulate the funds you will need. Most people are looking for answers to the following questions:

Do I have enough money to retire?
How long will my money last?
When can I retire?
How much do I need to save for my retirement?

Income Tax Returns & Tax Planning

Your income tax return tells us a lot about your financial situation. We prepare individual income tax returns for many of our investment management clients.

We pay special attention to beneficiary designations, capital gain issues, and location of investments between taxable and tax-deferred accounts.

As a CFP® Professional and attorney, I can help you make better decisions about your investments, retirement, estate and taxes.

– THOMAS JONES, J.D., CFP®, AIF®, ABFP™

Meet Thomas

Fee Only Advice, No Commission Products

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We do not have an opinion about where the stock market, interest rates, or business activity wil be a year from now. We've long felt the only value of stock forecasts is to make fortune tellers look good. We believe that short-term market forecasts are poison and should be kept locked up in a safe place, away from children and also from grown-ups who behave in the market like children. – Warren Buffet

Frequently Asked Questions

1. What is a Fiduciary?

Thomas Jones Financial is an independent Michigan registered investment adviser. Our investment adviser representatives do not sell proprietary products and receive no sales commissions.

Fiduciary Oath

We commit to the following five fiduciary principles:

1. We will always put our clients’ best interests first.

2. We will act with prudence; that is, with the skill, care, diligence, and good judgment of a professional.

3. We will not mislead clients, and will provide conspicuous, full and fair disclosure of all important facts.

4. We will avoid conflicts of interest.

5. We will fully disclose and fairly manage, in our clients’ favor, any unavoidable conflicts.

2. Tax Planning 2025? Important Numbers . . .

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3. Can I make a tax deductible IRA contribution?

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4. Can I contribute to my Roth IRA?