401(k) Employee Education Seminar

Never Underestimate the Value of Employee Education and Engagement.

With ongoing market volatility, participants increasingly seek advice around risk, performance, and fees associated with their plan’s investment options. At Thomas Financial, we deliver custom-made live and virtual participant education and communications programs.

Here’s a brief clip of a virtual seminar.

The Importance of Staying Invested

When markets are volatile, either up or down, it’s easy for investors to let emotions like euphoria or fear get the better of them, causing impulsive investment decisions.

Market Pulse April 15, 2022

To add or not to add (risk)?

We look at the benchmark’s statistical deviation from its mean in order to determine whether to add or to reduce risk.

Having arrived at what is, for all intents and purposes, full employment, the Fed has unsurprisingly begun tapping the breaks by raising rates and addressing the size of its balance sheet.

Top 5 Tips to Stem the Rising Cost of Healthcare

With employer-sponsored healthcare costs expected to rise 7.6% in 2022, employee benefits are a significant investment for any size company. Thomas Financial is dedicated to saving employers time and money, while improving the benefits experience for their employees.
Does your benefits advisor provide you with a comprehensive set of cost-controlling options? Check out our Top 5 Pro Tips to keep costs down.

Market Pulse March 3, 2022

When the market is down, liquidating protective hedges that have increased in value in exchange for less expensive ones is an action that both generates cash and simulates buying additional shares at lower prices. This can make a “spring-loaded” rebound possible while simultaneously producing distributable income to clients without selling shares. For our ZENdex portfolios, this is the picture of opportunity.

Death and Taxes: Hard Lessons from Prince’s Lack of Estate Planning

Prince Died in 2016 Without a Will or Estate Plan. After six years, the IRS and the estate’s administrators finally agreed to an estate value of $156.4 million. An estate the size of Prince’s could incur up to $84.9 million in estate taxes, due within nine months of the final valuation. Life insurance is a cost-effective and efficient way to fund estate tax obligations for pennies on the dollar. If properly structured, the life insurance death benefit will not be subject to income tax or estate tax.

Market Pulse February 3, 2022

Historically, taming inflation has increased the risk of recession. In this dance in which the Federal Reserve tries to keep workers employed but with wages whose buying power isn’t destroyed by inflation, those in control of monetary policy cannot afford to have two left feet. We invite you to call us to discuss how this data informs our strategy and how a ZENdex Portfolio could be a powerful addition to your overall investment mix.

Holistic Financial Planning

Holistic financial planning is an ongoing process, defined and directed by your personal and financial needs and goals, as well as your values. We believe that by taking the time to identify your objectives, you are more likely to develop a sound and workable financial plan, which will enable you to achieve your most important aspirations in the future.