C. Thomas Thames, CFP®, CLU, ChFC, MBA 

Retirement Planning - Tax Reduction Strategies - Family and Business Protection
C Thomas Thames has been helping clients achieve and maintain financial independence since 1975.
Retirement Planning

Retirement Planning

Many people spend more time planning their vacations than planning for their financial future.   That might work for those with more money than they will ever need but it can spell disaster for those who need to make their retirement assets last as long as they live. And it could be even worse if they have a spouse who is dependent on those same assets.  Running out of money before they run out of time is a risk that most retirees will have to face.  We may be able to help you avoid running out of money.
Social Security Guide

Social Security Planning

Social Security is an important source of income for most retirees and it is the only lifetime income that many retirees can count on. Making the wrong decision about when to begin drawing retirement benefits could be very expensive for you, and if you are married, it could make a huge difference to your surviving spouse. The obvious choice is not always the best decision. An analysis is required and many factors must be considered.  Our Social Security workshops and our free Social Security Analysis will help you maximize Social Security benefits.
Estate Planning

Estate Preservation

Leaving an estate for their heirs is an important goal for many people.   No matter how much or how little they have accumulated they would like to leave some or all of it to those they love.  Whether you’re a multi-millionaire who is concerned about estate and income taxes or a typical retiree who is more concerned about being wiped out by long-term care or uninsured medical expenses, there are strategies and products that can help you protect your estate. 
Insurance Services

Insurance Services

Insurance is protection against future loss. It is the transfer of risk from the insured to an insurance company. Some risks are simply too large for us to handle on our own.  The prudent choice and proper use of certain types of insurance allow us to protect our families, our assets, and possibly our creditors and business partners.  Families that are dependent on earned income could be rendered destitute by the death or disability of a breadwinner.  Tom Thames has been offering insurance solutions for more than 40 years.
C. Thomas Thames, CFP, CLU, ChFC