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OUR SERVICES

You’ve been diligent all these years, putting money aside for the future. But now that the future is here, how do you know if it’s enough? How do you manage your finances to ensure you won’t run out?

Our team of financial planners and wealth advisors are fee-based fiduciaries to ensure that your path to the ideal financial plan is created to prioritize you. Your financial goals are our priority.

Services illustration.

  • At Thornwood Financial, we take a tactical, hands-on approach to stock investing. As investment advisors and money managers, we use a disciplined, dynamic strategy designed to improve risk-adjusted returns by limiting losses and capitalizing on opportunities. 

    Our goal is to drive portfolio growth while managing risk effectively. We believe that a tactical approach, combined with investing in stocks with solid fundamentals, helps mitigate long-term risk.

  • Are you changing jobs, retiring, or looking for greater control over your retirement savings? Thornwood Financial can help.

    A 401(k) rollover is the process of moving funds from an employer-sponsored 401(k) plan into another tax-advantaged retirement account, like an IRA (Individual Retirement Account) or a new employer’s 401(k). Rolling over a 401(k) can help maintain tax-deferred growth while offering more investment choices, potentially lower fees, and flexibility in retirement planning. 

    If you’re nearing retirement, a well-managed strategy can be essential to ensure your savings align with your long-term income and financial goals.

    A Roth IRA conversion strategy typically involves transferring funds from a traditional IRA or 401(k) into a Roth IRA, which allows for tax-free withdrawals in retirement. 

    The converted amount is taxed as ordinary income in the year of conversion, but strategic conversions—like spreading conversions over multiple years, converting during low-income years, or using tax bracket thresholds—can help minimize the tax impact. 

    For retirees or those planning for retirement, a well-executed Roth conversion can provide greater financial flexibility, tax efficiency, and estate planning advantages.

  • With over 30 years of experience in retirement planning, Thornwood Financial specializes in constructing customized annuity strategies that provide guaranteed income and principal protection. As independent advisors, we are licensed to access a wide range of annuity solutions, ensuring we select the most suitable option from top-rated providers.

  • Your portfolio is more than just investments—insurance can play a vital role in protecting and strengthening your financial future.

    At Thornwood Financial, we have deep expertise in insurance and the independence to choose from over 50 insurance providers to help you achieve your financial goals. Over the years, our clients have benefited 

    Strategic insurance planning can:

    • Preserve Wealth – Long-term care insurance has helped many of our clients safeguard their investment assets from the high costs of extended care.

    • Protect Families – Life insurance has been instrumental in ensuring financial security and asset preservation for loved ones.

    • Secure Retirement Income – Many of our clients receive guaranteed lifetime income payments from annuities, providing stability and confidence in retirement.*

    Whatever your financial situation, insurance can serve as a powerful tool for managing risk and fortifying your overall strategy. If it’s suitable for your needs, we’ll help you explore the best options to integrate insurance into your financial plan

    *Fixed Annuities are long term insurance contacts and there may be a surrender charge imposed generally during the first 3 to 10 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.