A Financial Advisor in Orlando Who Knows Florida — and Pays Attention

Orlando has no shortage of financial advisors. What's harder to find is one who has spent more than three decades working with Florida families, operates as a truly independent practice, and will actually be on the phone when you call. That's what we offer at Thomas Advisory Services — retirement planning, wealth management, and insurance guidance built around your situation, not a branch office's product menu.

Serving Orlando Clients Wherever It's Convenient for You

Most of our ongoing work with Orlando-area clients happens by phone or video — which means you're not driving to Winter Haven every time you have a question or want to review your plan. When an in-person meeting makes sense, we schedule it. When it doesn't, we don't require it. Whether you're in Lake Nona, Dr. Phillips, College Park, Winter Park, or a 55+ community like Solivita or Del Webb Sunbridge, the process is the same: consistent access to Allen, not a rotating cast of junior advisors.

If You've Recently Relocated to Florida, You're in the Right Place

Orlando draws retirees from across the country — from the Northeast, the Midwest, and everywhere in between — and many arrive with investment accounts, pensions, and retirement plans that were structured for a different state. We work regularly with clients who've made that move, helping them handle rollovers, adjust for Florida's tax environment, and build a retirement income strategy that reflects where they actually live now. Allen has been licensed and practicing in Florida since 1991. This isn't a market he entered recently — it's the only one he's ever worked in.

What Makes an Independent Practice Different in a City Full of Big Firms

In a market like Orlando, the large wirehouse firms are everywhere. What they can't offer is what an independent, two-person practice can: every client works directly with Allen Thomas, not a trainee or a team you've never met. There's no proprietary product line to push and no quarterly sales quota driving the conversation. Client assets are held at Charles Schwab, an independent custodian, so you have full transparency into what you own and what it's worth. Thirty-plus years in this business — starting with The Prudential in 1991 — means Allen has guided clients through multiple market cycles, not just the current one.

Retirement Planning Services Available to Orlando Residents

We work with pre-retirees and retirees across the full range of planning needs. If you're still working and trying to figure out when and how to retire, our retirement planning services address income timing, Social Security decisions, and the transition from accumulation to distribution. If you're already retired and concerned about making your money last, our post-retirement income planning work focuses on building a floor of reliable income alongside assets that can still grow. We also provide wealth management for clients who want active, fundamentals-based portfolio oversight rather than a static allocation that gets reviewed once a year.

 

For clients navigating insurance decisions — including Medicare supplement coverage, long-term care planning, fixed index annuities, and life insurance — our insurance planning services address each of these with the same independent, product-neutral approach.

Healthcare, Lifestyle, and the Retirement Conversations Orlando Brings Up

Orlando-area retirees have access to strong healthcare networks through AdventHealth and Orlando Health — and those options often shape the retirement planning conversations we have. Long-term care costs, Medicare supplement decisions, and the question of how to fund healthcare in retirement without depleting savings are among the most common concerns we hear from clients in this market. We also work with clients thinking through the lifestyle side of retirement: when to stop working, how to structure income so it supports the retirement they've planned, and how to make sure a long retirement doesn't outlast the money that's supposed to fund it.

Frequently Asked Questions from Orlando-Area Clients

  • Do I need to come to your Winter Haven office to work with you?
    No. Most of our client relationships are managed entirely by phone and video. In-person meetings are available when they're useful, but they're never a requirement. Orlando clients typically find that remote communication works well for the ongoing work we do together.
  • I moved to Florida from out of state and still have accounts set up under my old state's rules. Can you help with that?
    Yes — this is one of the most common situations we work through with new Florida residents. We help with rollovers, beneficiary updates, and restructuring accounts to reflect Florida's planning environment, including the absence of a state income tax and the implications for your overall distribution strategy.
  • How is an independent advisor different from an advisor at a large firm?
    At a large wirehouse or bank, advisors often work within a limited menu of in-house products and carry sales targets that can influence recommendations. As an independent practice, we're not tied to any proprietary product line. We work with what makes sense for each client, and your assets are held at Charles Schwab — a major independent custodian — so there's full transparency into your accounts at all times.
  • What does a first consultation look like?
    We start by listening. The first conversation is about understanding where you are financially, what you're trying to accomplish in retirement, and what concerns are keeping you up at night. There's no cost and no obligation. If it makes sense to work together, we'll outline what that looks like. If it doesn't, we'll tell you that too.
  • Do you work with clients who are already retired, or only people still planning for retirement?
    Both. We work with pre-retirees who are still in the planning phase and with active retirees who need help managing income, navigating Medicare decisions, or addressing long-term care concerns. A significant portion of our clients are in their 60s and 70s and came to us after already leaving the workforce.

Thomas Advisory Services — Serving Orlando and Central Florida

Thomas Advisory Services is an independent financial advisory practice based in Winter Haven, Florida, serving clients across Central Florida and the state. Allen Thomas has been licensed and practicing in Florida since 1991 and holds more than 30 years of experience in retirement planning, wealth management, and fixed insurance strategies. He is the author of Wealth Beyond Work and works alongside Marcie Thomas to serve a carefully managed client roster. Client assets are held at Charles Schwab. Our office is located at 141 W Central Ave Ste 3, Winter Haven, FL 33880. Orlando-area clients are welcome to meet remotely or in person.