About C. Thomas Thames, CFP®, CLU, ChFC, MBAC. Thomas (Tom) Thames is a Certified Financial Planner(TM) professional doing business as Thames Financial & Insurance Services and Thames Tax & Retirement Services. Tom is a Chartered Life Underwriter, a Chartered Financial Consultant, and a Registered Tax Preparer (CRTP). He is also a licensed life and disability insurance agent and an investment adviser representative.
Tom specializes in retirement planning and estate preservation strategies. He has extensive experience with investments, life insurance, annuities, retirement plan distributions, IRA rollovers, Roth IRA options, and other financial and retirement planning issues. Investment advisory services are offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through C. Thomas Thames, California License 0494276. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions. Note: This website is not used for investment business. For information about investment advisory services please contact Tom at 916-779-4999 or by email to [email protected]. |
 C. Thomas Thames, CFP®
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Qualifications
C. Thomas Thames holds a BA degree in economics from University of Notre Dame de Namur and a Master of Business Administration (MBA) degree from Santa Clara University. He completed CERTIFIED FINANCIAL PLANNER (CFP®) studies through College for Financial Planning and completed the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) professional designation programs with The American College. Tom has passed the exams for Series 7, 24, 63 and 65 investment securities registrations and was an investment broker for many years. He no longer accepts commissions for selling investment products and is now an Investment Adviser Representative with an independent registered investment adviser firm that is not affiliated with Thames Financial & Insurance Services. Tom holds California life and health insurance license number 0494276 and he may earn commissions for those activities. He does not earn commissions for selling investment products. Tom is also a CTEC Registered Tax Preparer but does not prepare tax returns.
Associations
Tom Thames is a former President and Chairman of the Monterey Bay Chapter of the Financial Planning Association and former President of the Monterey Bay Chapter of the Society of Financial Service Professionals. Tom is a Registered Tax Preparer (CRTP) with the California Tax Education Council (CTEC) but limits his practice to tax planning and tax reduction strategies. He does not prepare tax returns.
Prior to entering the financial services industry Tom Thames was an industrial engineering manager for a major corporation and spent four years in the U.S. Army. He has also taught financial and estate planning courses for Golden Gate University Graduate School of Business and University of California.
Prior to entering the financial services industry Tom Thames was an industrial engineering manager for a major corporation and spent four years in the U.S. Army. He has also taught financial and estate planning courses for Golden Gate University Graduate School of Business and University of California.