Thomas Jones Financial LLC

Thomas Jones Financial LLC serves primarily individual investors saving for retirement or other financial goals and also opens accounts for business entities, estates, and trusts. The fee-only, fiduciary firm provides investment management and financial planning for accounts custodied at providers such as Charles Schwab, Altruist, Betterment, and Flourish Cash, and reports managing roughly $37 million on a non-discretionary basis.

The firm uses a top-down investment process that emphasizes strategic asset allocation, sub-asset allocation, low-cost passive and active funds, and asset location to manage after-tax outcomes; models are compared to global benchmarks and designed to keep costs and turnover low. It does not accept discretionary trading authority, executes trades with client permission, reviews accounts monthly, and uses model portfolios and third-party model marketplaces (including Altruist) along with FDIC-insured cash reserve options.

A distinctive feature is the firm’s affiliation with a law practice: the firm’s owner maintains a separate, affiliated law firm and allocates roughly 25% of work hours to legal services, offering estate planning, estate administration, tax preparation, and real estate legal work to advisory clients on flat-fee or hourly terms. Combined with its primarily non-discretionary management style, use of Altruist One and model marketplace tools, and professional credentials in fiduciary and behavioral finance, this integration of attorney-led legal services and investment advice is uncommon among independent firms.