Thome Financial

Thome Financial Management serves individual investors and a limited number of other client types, including trusts, estates, retirement plan participants, small businesses, and pension or profit‑sharing plans, providing discretionary investment management and hourly financial consulting. The firm conducts an initial fact‑finding meeting and uses written risk‑tolerance and client profile questionnaires, with annual reviews to keep strategies aligned with client goals.

The adviser follows a long‑term buy‑and‑hold philosophy that emphasizes diversified asset allocation across asset classes and investment styles, typically implementing portfolios with exchange‑traded funds and no‑load mutual funds while using individual securities selectively. Investment recommendations are customized for objectives, taxability and liquidity, and the firm states it acts as a fiduciary for all clients, including retirement investors.

Operating as a single‑advisor firm managing roughly $46.7 million for 22 clients, it maintains a small‑client, higher‑asset focus that differs from many solo independent practices that serve larger numbers of retail accounts. The firm’s principal is also a licensed insurance agent who sells health, disability, long‑term care and life insurance and receives separate commissions for those sales (while devoting about 90% of time to investment advice), a dual role the brochure discloses as a potential conflict of interest.