Business Details
22 Years
experience
Your Trusted Financial Adviser in Cleveland, OH
Jerry C. Thomas is a dedicated financial advisory firm specializing in insurance planning, including life insurance, disability insurance, long-term care insurance, and annuities. With over two decades of industry experience since 2004, we adhere to the CFP Board's fiduciary standards, prioritizing client interests above all else. Our expertise includes risk management planning, business risk strategies, and underwriting, supported by partnerships with over 20 insurance carriers to ensure tailored solutions. We serve individuals and businesses, offering comprehensive policy reviews and advanced planning strategies.Our commitment to transparency, ethical practices, and client education has established us as a trusted advisor in the Cleveland area. Our team combines technical proficiency with personalized service, ensuring clients receive actionable recommendations aligned with their financial goals. We emphasize long-term relationships, continuous policy monitoring, and adapting strategies to meet evolving client needs.
Services
Life Insurance
Disability Insurance
Long-Term Care
Annuities
Policy Reviews
Details
- Year established: 2004
Highlights and features
- We follow a fiduciary planning process, always putting your best interests first.
- We partner with over 20 insurance companies to find you the best solution.
- We offer comprehensive policy reviews to ensure your coverage remains optimal.
- Our team includes a CFP with expertise in advanced insurance planning strategies.
- We provide personalized guidance through every step of the insurance process.
Associations and certifications
- Certified Financial Planner Board of Standards Inc. (CFP Board)
Services
Life Insurance Planning
We help clients determine appropriate life insurance coverage amounts and select policies aligned with their financial goals. Our process includes evaluating health profiles, comparing carriers, and analyzing policy features like death benefits and cash value components. We specialize in term and permanent life insurance solutions for individuals and businesses.
Disability Insurance Planning
Our disability insurance services focus on replacing income in case of unexpected disability. We help clients understand policy definitions, select appropriate benefit periods, and choose riders like residual disability coverage. We specialize in 'own occupation' policies tailored for high-income professionals.
Long-Term Care Planning
We provide comprehensive long-term care planning solutions, including traditional policies and hybrid products with life insurance riders. Our approach considers future care costs, policy flexibility, and integration with overall estate planning strategies for individuals and families.
Annuity Planning
We help clients evaluate annuity options including fixed, variable, and indexed products. Our planning process considers income needs, risk tolerance, and tax implications while comparing features across multiple carriers to find suitable solutions for retirement income planning.
Policy Review Service
Our policy review service evaluates existing insurance policies for performance and relevance. We assess death benefits, premium costs, and policy features against current needs, recommending adjustments or replacements when necessary to maintain optimal coverage.
People
Jerry C. Thomas, CFP
Certified Financial Planner
Jerry C. Thomas is a CFP with over 20 years of experience in insurance and financial planning. He specializes in life, disability, and long-term care insurance, serving individuals and businesses in Cleveland. He graduated from Ohio University and holds multiple insurance licenses.
Questions
What insurance planning services do you offer?
We specialize in life insurance, disability insurance, long-term care planning, annuities, and policy reviews for individuals and businesses.
Are you affiliated with specific insurance companies?
We work with over 20 insurance carriers to provide unbiased recommendations and find the best solutions for our clients.
How do you determine appropriate coverage amounts?
We use financial needs analyses and capital needs approaches to determine appropriate coverage based on individual circumstances and goals.
Do you work with clients outside Ohio?
While based in Cleveland, we can provide planning services to clients in multiple states through our nationwide carrier partnerships.
What makes your planning approach different?
We follow CFP Board fiduciary standards, prioritize client education, and provide comprehensive policy reviews to ensure ongoing coverage relevance.
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