Business Details
22 Years
experience
Your Trusted Financial Planning Partner in Cleveland
Jerry C. Thomas has dedicated his career to providing comprehensive insurance and financial planning solutions since 2004. As a CERTIFIED FINANCIAL PLANNER, we adhere to the CFP Board's fiduciary standards, prioritizing client interests through personalized strategies. Our expertise spans life insurance, disability insurance, long-term care planning, and annuities, with access to over 20 insurance carriers to ensure optimal solutions.We specialize in risk management, estate planning, and policy reviews, serving individuals and businesses with transparent, ethical guidance. Our process follows rigorous financial planning standards, combining technical expertise with ongoing client education to build lasting financial security.
Services
Life Insurance Planning
Disability Insurance
Long-Term Care Planning
Annuity Solutions
Policy Review Service
Details
- Year established: 2004
Highlights and features
- We follow CFP Board's fiduciary standards putting your interests first
- We partner with 20+ insurance companies for comprehensive options
- Our team has 18+ years of insurance planning experience since 2004
- We recommend policy reviews every 3-5 years for optimal performance
- We provide personalized risk management strategies for unique needs
Associations and certifications
- CFP Board
Services
Life Insurance Planning
We help determine appropriate life insurance coverage amounts and types based on individual needs. Our process evaluates health profiles, financial goals, and family requirements while comparing offerings from multiple carriers. We specialize in term life, whole life, and hybrid policies with long-term care benefits, ensuring clients receive optimal protection that aligns with their financial objectives and personal circumstances.
Disability Insurance
Our disability insurance planning focuses on protecting income through customized policies that consider occupation-specific risks. We emphasize 'own occupation' definitions crucial for professionals, explaining policy features like benefit periods, elimination periods, and specialty-specific coverage options. We help clients navigate carrier requirements while ensuring comprehensive protection against income loss from disabilities.
Long-Term Care Planning
We provide comprehensive long-term care planning solutions including traditional policies, hybrid life insurance riders, and annuity-based options. Our approach considers future care costs, inflation protection, and policy flexibility while explaining different coverage structures. We help clients understand policy triggers, benefit amounts, and how these solutions integrate with overall retirement and estate planning strategies.
Annuity Solutions
Our annuity planning covers fixed, variable, indexed, and immediate options to create reliable income streams. We explain product features, fee structures, and liquidity options while comparing different carriers' offerings. We help clients determine appropriate allocation within their overall retirement plan, considering tax implications, market risks, and guaranteed income requirements.
Policy Review Service
We conduct comprehensive reviews of existing insurance policies every 3-5 years or when life circumstances change. Our analysis evaluates policy performance, coverage adequacy, and alignment with current goals. We identify potential gaps, outdated beneficiaries, or unnecessary features while recommending adjustments to ensure continued suitability and cost-effectiveness of your insurance portfolio.
People
Jerry C. Thomas, CFP
CERTIFIED FINANCIAL PLANNER
Jerry C. Thomas is a CFP professional with 18 years of experience in insurance planning since 2004. He specializes in life, disability, and long-term care insurance solutions while holding licenses for life & health, property & casualty, and variable products. He graduated from Ohio University with a marketing degree and has presented to industry groups like NAIFA and FPA.
Questions
What insurance planning services do you specialize in?
We specialize in life insurance, disability insurance, long-term care planning, annuities, and policy reviews for individuals and businesses.
Are you legally required to act in my best interest?
Yes, as a CFP professional we follow fiduciary standards requiring us to prioritize your interests above all else.
How do you select insurance providers?
We work with over 20 top-rated insurance carriers to ensure we find the most suitable solution for your specific needs.
Do you offer policy reviews for existing coverage?
Yes, we recommend comprehensive policy reviews every 3-5 years to ensure your coverage remains aligned with your goals.
What qualifications does your team hold?
Our lead advisor is a CERTIFIED FINANCIAL PLANNER with 18+ years of insurance planning experience since 2004.
How are your services compensated?
We maintain transparent compensation structures, with compensation coming directly from insurance carriers through commissions.
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