We’re Here 24/7 for Seniors
Winter Haven, FL
Schedule Your Consultation Today
Start building a stable retirement income supported by our hybrid product strategies.
Work With a Trusted Financial Advisor in Winter Haven, FL, Remotely Serving All of Florida
If you’re struggling with inflation and the fear of losing your money during your precious retirement years, Thomas Advisory Services is here to help. With over 32 years of experience, Allen Thomas is a trusted financial advisor in Winter Haven, FL, focused on retirement income, wealth management, and fixed insurance solutions. We guide seniors using active market models and hybrid income strategies that adapt to changing conditions.
Serving Seniors With Proven Retirement Strategies
Allen Thomas began his practice in 1991 with The Prudential and expanded into multiple areas of financial services as client needs evolved. Over the years, he held several FINRA licenses: Series 6, 7, 24, 79, and 99, before shifting his focus fully toward retirement planning in 2016. Today, we maintain the Life, Health, and Variable Annuities licenses, along with the Series 66 and Property & Casualty license, supporting our work across Life, Health, Variable Annuities, Fixed and Fixed Index Annuities, Wealth Management, and Retirement Plan services. Our firm operates under Florida Insurance License A263593.
Our top services are Income-for-Life Fixed Index Annuities and Wealth Management. These offerings reflect the core retirement challenges our clients face: maintaining a steady income and protecting assets through changing economic conditions. Fixed index annuities help support long-term income durability, while our wealth management approach allows us to build and adjust portfolios based on risk tolerance and current market fundamentals. Together, these services form the foundation of the retirement strategies we create for seniors who want consistent, structured financial support.
Build a Solid Financial Strategy for Retirement
- Hybrid Planning: We recommend hybrid long-term care solutions that connect benefits to annuities or life insurance. As the account value grows, the available long-term care benefit grows with it, creating a more efficient and flexible approach than traditional standalone policies.
- Active Market Management: We design investment models around each client’s risk tolerance, then manage those accounts according to real market fundamentals. Our adjustments reflect government actions, economic shifts, and global events that influence the market, rather than relying on static allocations.
- Serving Since 1991: We have spent more than 32 years helping seniors navigate retirement decisions, rising costs, and financial uncertainty with steady, informed guidance.
- 24/7 Senior-Focused Support: We offer dependable availability for seniors who need timely help with financial or insurance concerns, ensuring problems are addressed without waiting for business hours.
- Trusted Asset Custodian: Client assets are held at Charles Schwab, providing secure access, reliable account management, and a strong operational foundation for wealth management.
- Published Insights: Retirement strategies are reinforced by planning principles featured in Wealth Beyond Work (authored by Allen Thomas himself), offering clients a structured perspective shaped by decades of experience.
Strengthen Income Planning With Wealth Beyond Work
Guidance Designed for Retirement Needs
Featuring Wealth Beyond Work by Allen Thomas
Wealth Beyond Work outlines the planning principles that guide our approach to retirement income and long-term financial stability. The book highlights the challenges retirees face today: rising costs, market uncertainty, and complex healthcare decisions, and explains how structured strategies can help address them. These concepts inform the way we build retirement plans, evaluate risk, and design income solutions for clients who want steady, reliable support throughout retirement.
Retirement Planning and Wealth Strategies Focused on Your Needs
Our experience since 1991 has shown us that seniors today face rising costs that make it hard to preserve their savings. When we saw how often clients worried about their money running out, we shifted our focus toward solutions that provide a steady check regardless of market changes. This led us to emphasize guaranteed pension-type programs built for long-term income support.
Today, we provide retirement income planning, wealth management, fixed insurance solutions, long-term care strategies, Medicare guidance, and life insurance planning designed for seniors and pre-retirees. Our approach helps clients avoid financial mistakes by tailoring solutions to risk tolerance, healthcare needs, income goals, and inflation pressures.
Our Process:
- Assessment: We evaluate financial goals, medical history, and long-term income needs.
- Strategy: We design portfolios, annuities, and insurance solutions based on client risk and retirement timelines.
- Management: We adjust strategies using economic fundamentals and global events.
- Support: We provide reliable access for seniors needing ongoing guidance.
Plan for Your Long-Term Retirement Income Today
Seniors and pre-retirees come to us with concerns that are both real and urgent: rising costs, the pressure of making savings last, and the challenge of choosing healthcare coverage that fits their medical history. Many also face day-to-day financial questions that require quick answers, which is why we make ourselves consistently available to provide support whenever it’s needed. These ongoing challenges shape the way we serve our clients and reinforce the need for retirement strategies built for stability rather than uncertainty.
We help seniors build reliable retirement income through reliable financial management services in Winter Haven, FL, and remotely around Florida. Whether you need income planning, Medicare guidance, wealth management, or insurance solutions, our strategies are designed to reduce uncertainty and support long-term financial stability. If you want retirement guidance grounded in experience and shaped by the realities facing today’s retirees, we are ready to help you take the next step. Contact Allen Thomas today, your trusted financial advisor for professional retirement planning.
Professional Financial Services for Retirement Needs
Learn how retirement income planning, wealth management, fixed insurance options, Medicare guidance, long-term care planning, and life insurance solutions can support a more stable financial future throughout retirement.
Wealth Management
We design tailored investment strategies built on risk tolerance and active market guidance to support retirement income growth.
Insurance Fixed Products
Fixed annuities and index universal life solutions help create stable retirement income and flexible long-term protection.
Long Term Care
Hybrid long-term care strategies use annuities or life insurance to grow benefits over time and offer flexible access to coverage.
Medicare Supplements
We help compare Medicare options based on health history and costs to prevent long-term medical expense challenges.
Life Insurance Products
Choose from term, whole, or cash value policies structured for income replacement and long-term financial planning.
Frequently Asked Questions
We provide answers about retirement income planning, long-term care strategies, investment management, and Medicare decisions. These insights help seniors and pre-retirees understand their financial options and avoid costly mistakes.
-
We assess your goals, risk tolerance, medical considerations, and income needs, then build strategies adjusted through active monitoring of market fundamentals to support long-term retirement reliability.
-
Yes, we structure fixed index annuities and income products to provide guaranteed lifetime payouts that continue even if other assets decline or become depleted.
-
Hybrid long-term care is attached to an annuity or life insurance policy, so benefits increase as values grow, offering coverage flexibility without the risk of losing premiums if care is not needed.
-
We analyze Medicare Supplement and Advantage options based on prescriptions, health history, and financial needs to help seniors avoid plans that create long-term cost increases.
-
Yes, we support clients across Florida through phone consultations, online meetings, and remote account management.
-
We accept Check and Credit Card payments only. This is to ensure complete security during transactions.
What Clients Say About Us
Service Areas
Serving Winter Haven, FL, and providing full remote financial guidance to seniors across Florida. Trust our licensed financial advisor for your financial retirement planning.
Connect With Our Financial Advisor
Start Your Retirement Planning Now
Share your retirement goals, income concerns, or healthcare planning needs. We will review your details and recommend strategies designed to strengthen long-term financial stability.