Questions people ask.

No. First responders are a big part of the practice, and so are business owners, retirees and families. If your finances have gotten complicated enough to want a plan, we're a fit.

Yes. If they're good, we work with them. We coordinate the plan with the people you already trust, and when you need someone, we know people.

A fee based on the assets we manage, or a flat fee for planning. We don't sell annuities, insurance or commission products. You'll see exactly what you pay before you sign anything.

We talk about where you are and what you want: your income, your family, your timeline, and what you want your money to do. It costs nothing, in person in Plantation or by video, and you'll leave knowing whether we're a fit and what the next step would be.

On a schedule, and in between when something touches your plan: a retirement date, a sale, a DROP exit, a new grandchild. You'll also hear from us every month with a note on the markets, Social Security, Medicare and the FRS.

It depends on how long you'll serve, when you want to retire and how much risk you want to carry. The Pension Plan pays a lifetime benefit set by a formula. The Investment Plan is an account you own and invest. We run both against your numbers before you choose.

DROP lets Pension Plan members who reach retirement keep working for a set period while their monthly benefit builds up in an account. When you enter, how long you stay and what you do with the money when you leave all change your income and your taxes, so plan them together.

You can usually take it as a payment, roll it over, or split it. Each choice is taxed differently, and a rollover keeps more options open. We plan it before your DROP ends, not after the check arrives.

No. Thomas Wealth Management is not associated with any union.

We put your income, expenses and timeline into one plan, then test it against an early market drop, inflation, healthcare costs and a long life. If it holds, you'll know. If it doesn't, you'll know what to change.

It depends on your health, your other income, your spouse's benefit and your taxes. Claiming early, at full retirement age or later can add up to very different totals, so we compare them against your plan before you file.

It depends on the year you were born, and the rules have changed more than once in recent years. We plan for them well ahead, because the years before they start are often the best time for Roth conversions.

No. We can plan around accounts you keep elsewhere, like a workplace plan. We'll show you where bringing them together would help and where it wouldn't.

It depends on what you earn, how many people you employ and how much you want to put away. A Solo 401(k) or SEP can suit someone working alone; a 401(k) or cash balance plan may fit a business with a team. We compare them against your numbers.

Separate accounts, yes. Separate plans, no. We plan them together, so the business funds your own goals on purpose instead of by default.

Earlier than most owners think. A few years out gives you time to shape the taxes, the structure of the deal and your income afterwards.

Most plans were set up once and left alone. A review shows what the plan is missing and what else you could be offering your employees. If the plan is fine as it is, we'll tell you.

The FRS Pension Plan and the Investment Plan, DROP and the 457: how each works and what the choices are. We talk about the planning and the options. We don't sell anything in the room, and anyone who wants to go further books a meeting on their own.

Fire departments usually book station by station, through the chief or captain. Corrections and sheriff's offices book through a coordinator, who can block out time while others cover. Call or send a note and we'll find a date that works around the shifts.

A Roth conversion moves money from a tax-deferred account into a Roth account, and you pay the tax on it now. In a lower-income year, often early in retirement, that can reduce the distributions you are later required to take and your lifetime taxes. We run the numbers before you convert.

It depends on what you leave and how. Retirement accounts carry income tax for whoever inherits them; other assets are treated differently. We plan with your attorney how each asset passes, so more of it reaches your children.