Thomas Investment Advisors LLC

The firm provides discretionary investment management and comprehensive financial planning to individual and high-net-worth clients, managing roughly $12.2 million across six client relationships. Services include portfolio construction using low‑cost mutual funds and ETFs, occasional individual stocks or bonds, retirement-account advice, and standalone financial planning engagements billed hourly or as fixed fees.

The firm’s investment process emphasizes fundamental analysis and a generally long-term orientation, tailoring asset allocation and portfolio construction to each client’s goals, time horizon and risk tolerance. Implementation typically uses diversified funds and ETFs with ongoing monitoring and rebalancing, and client accounts are custodied and traded through a recommended custodian with fees billed quarterly in advance.

A distinctive feature is the firm’s affiliation with an accounting and tax practice under common control; accounting and tax services are offered separately and the brochure discloses that the principal devotes the majority of professional time to that affiliated firm, a relationship disclosed as a potential conflict. The advisory practice is also very small and recently founded—one advisor serving six clients—and participates in an institutional custodial platform that provides the advisor with software and other economic benefits disclosed in the brochure.