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David W. Thomas, ChFC, CLU

David W. Thomas, ChFC, CLU

Legacy Planning Specialist

While working with retirees Dave often runs into two situations that plague clients after retirement.  The first being clients have spent their whole lives working and saving for retirement, but now that they have reached their retirement goal they do not utilize their assets, not allowing themselves to enjoy all their hard work of accumulating assets or secondly clients take on too much risk either through market timing or no set strategy for their money.  Dave’s philosophy has always been to make client’s money have a purpose.  That purpose could be any number of things from just an overall improvement in lifestyle, more vacations, family gifts, charitable endeavors, college funding for grandkids, or as Warren Buffet said - leaving heirs with enough money to do anything but not enough money to do nothing.   Our clients have worked their whole life to get to this point, our goal is to help them achieve their objectives and ease the burden of investment management by utilizing the resources our firm has to offer.

While working with business owners Dave often finds that these clients are not always protecting their business and their family. Retirement strategies and estate planning can allow families to realize the wealth their business has created while also allowing the business operations to continue through generations. Through this planning Dave's goal is to help clients focus their time on the business operations and not non-business related concerns.

Since his playing days on the Michigan State Football Team Dave has been an avid fan of Michigan State Athletics and regularly attends football games.  He is a board member of the MSU Varsity Club, a club created for athletic letter winners of the program.    He has been involved in Legatus and the Fellowship of Christian Athletes.   Dave is married and has seven children and two grandchildren.  He enjoys spending time with his family, taking walks with his wife Jan and their dog at Stoney Creek Park, and also celebrating family birthdays which seem to be every couple weeks with the growth of his family over the years.  

Credentials:

BA Michigan State University

40 Years Experience in the Financial Services Industry

Charter Financial Consultant

Chartered Life Underwriter