Feb 06, 2012 11:29PM ● Published by Anonymous
J.W. has built a financial planning practice focused on wealth management. He breaks financial planning down into easy to understand concepts such as: building, managing, protecting, and transferring wealth. J.W. works with clients to build a long-term relationship that is based on a comprehensive financial planning approach and risk management. His typical client is nearing (or has achieved) retirement and is looking for advice on how to translate a lifetime of savings into their retirement dreams.
As a student of Modern Portfolio Theory, J.W. realizes that not all investments fit the traditional stock or bond mold. Clients are now more than ever asking more questions regarding alternative investments such as precious metals, commodities, and real estate. J.W. helps clients understand the concepts of risk and return with regards to asset allocation. He illustrates how a diversified portfolio may help investors bring a confident retirement more within reach.
J.W. was born and raised in Annapolis and currently resides with his family just outside of Annapolis in Riva. He attended St. Mary’s from K-12 and earned his Bachelor’s degree in Business Administration with a concentration in Finance from Towson University in 1999. He has obtained accreditation from the College for Financial Planning and maintains the following designations from the college: Chartered Retirement Planning CounselorSM, Accredited Asset Management Specialist, Accredited Wealth Management AdvisorSM, Chartered Mutual Fund Counselor®.
J.W. is proud to have achieved the recognition as an Ameriprise Platinum Financial Services® practice. Ameriprise Platinum Financial Services Advisors are experienced in helping clients plan to achieve their goals. They hold industry recognized financial planning credentials and maintain a high level of client satisfaction. They recognize that as a client’s assets grow, their finances become more complex and require greater attention and expertise. Platinum Financial Services advisors help clients balance growth and protection through a personalized financial planning approach. Ameriprise Financial provides these advisors prioritized service and a network of expert resources to consult on complex client needs.
Q: What are Stretch IRAs?
A: The term “stretch IRA” has become a popular way to refer to an IRA with provisions that make it easier to “stretch out” the time that funds can stay in your IRA after your death. The goal of a stretch IRA is to make sure your beneficiary can take distributions over the maximum period the Required Minimum Distribution rules allow. Any IRA can include stretch provisions, but not all do. You may wish to consult your IRA custodian for details regarding your IRA and to make sure that it contains stretch provisions. Additionally, you should consult your attorney and or tax advisor regarding your specific situation. Ameriprise Financial does not provide tax or legal advice.- J.W. Thomas II, CRPC®, AAMS®, AWMA®, CMFC®, Financial Advisor
Working with this financial advisor is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional. Asset allocation does not assure a profit or protect against loss in declining markets. Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification does not assure a profit and does not protect against loss in declining markets. Alternative investments involve substantial risks and are more volatile than traditional investments, making them more suitable for investors with an above average tolerance for risk. Ameriprise Financial cannot guarantee future financial results. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
J.W. Thomas II, CRPC®, AAMS®, AWMA®, CMFC®
Chartered Retirement Planning CounselorSM
An Ameriprise Platinum Financial Services® practice
Ameriprise Financial Services, Inc.
180 Admiral Cochrane Drive, Suite 550, Annapolis, MD 21401
443-837-1071 | firstname.lastname@example.org