HG Thomas Wealth Management, LLC

11/03/2026

Are You Giving on Purpose — or Just in December?

You know the season. Envelopes in the mailbox, messages in your inbox, and a cashier asking if you'd like to round up for a good cause.And somewhere between Thanksgiving and New Year's Eve, a lot of generous people make many of their charitable decisions in a hurry.In 2025, nonprofits received 37% o...

10/27/2026

Financial Impersonation Scams: What to Watch For

Many people picture a scam as something obviously off: a strange email, a robotic voice, a too-good-to-be-true offer.The more dangerous version sounds like rescue. A calm, professional voice tells you your bank account has been compromised, and they’re calling to help you fix it before it’s too ...

10/16/2026

Happy Boss’s Day! Thank you for being a boss who is MOSTLY patient, MOSTLY tolerant, NOT a control freak, and actually knows how to delegate… even if you do like to double-check my work just enough to keep me humble! 🤣 Seriously, though, it has been an honor and very rewarding being part of this firm. I appreciate your leadership, your trust, and the laughs along the way. Thanks for being a great boss and for only making me question my work occasionally! 😉

10/07/2026

Six Estate Planning Assumptions Worth a Second Look

It's easy to set estate planning aside once you've done a version of it. You sign the paperwork. You name a beneficiary. You mentally close the file.The only thing is, the file keeps changing. Accounts get opened. Families grow. Laws shift. And in the space between signing and revisiting, a handful....

09/14/2026

More Than a Number: The Four Risks That Shape Your Retirement

Many people can tell you their portfolio balance. Far fewer can tell you what else determines whether their retirement actually works.That's understandable. The balance is the number on the statement. It's concrete, and it feels like a score. But judging retirement readiness by that one figure is a....

09/14/2026

Retirement Isn't Just About How Much You Save. It's About When.

You can do everything right on paper — save diligently, spend reasonably, stay invested for the long haul — and still land in a very different retirement than someone who did the same things.The difference often comes down to a factor many retirement checklists leave out entirely: timing.

09/14/2026

Permission to Spend in Retirement: A Skill Rarely Taught

For decades, you trained one financial muscle: save, invest, don't touch it. Then retirement arrives and asks you to do the opposite.Nobody teaches that part. There is no course on how to spend the money you spent a lifetime building, so the discipline, the caution, and the watchful eye on every bal...

09/11/2026

The moment a client blurted, “Change it to a Roth account now!” reminded me why white-board math can be so powerful. During our review we mapped their Social Security benefits, added a possible RMD, and watched the total creep above the $32,000 line where benefits start getting taxed. One quick calculation showed that by converting a slice of their traditional IRA to Roth each summer, we could keep future RMDs small, and their Social Security potentially 0% taxable. The numbers didn’t lie, and the relief in the room was instant. Retirement isn’t just about what you’ve saved; it’s about which buckets you tap, and when. When was the last time you stress-tested your own income mix?

08/14/2026

“How do I give my little one a head start without locking the money away?” a young parent asked me this morning.
Their child already has a 529 plan, but they wondered if combining everything would be simpler.
We walked through the trade-offs: keep the 529 focused on education, and open a modest custodial account so the child can watch real investments grow. That second bucket offers flexibility—no tuition-only rules, and even the option to move into a Roth down the road—while the college fund stays on track.
We also reviewed a brand-new workplace retirement plan and talked about steering clear of “hot” assets that lack fundamentals.
The result? A balanced, confident strategy with every goal in its own lane.
If you’re building wealth for the next generation, make sure flexibility and purpose walk hand-in-hand.

08/06/2026

What to Do With Your Next Dollar: A Financial Order of Operations

What do you do when you earn well and have generally dialed in the fundamentals: save, invest, reduce debt, stay protected? The challenge was never knowing what to do. It's knowing what to do first, and in what order.That's a harder question than it looks. Each of these priorities is sound on its ow...