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Thomas Capital Management is a wealth advisory firm based in Hamilton, Montana. We are independent, client-focused, and well-equipped to help our clients reach their investment goals.

Our core service is managing assets immediately preceding and throughout retirement. Click Here to view our client process.

Keystone Financial Of Montana Clients

After 34 wonderful years of serving clients, Jay and Joyce have officially retired.  I am grateful for the opportunity to continue providing excellent service and care.  In the coming weeks I hope to meet each of you in person, if possible.  Please feel very welcome to call or schedule a time to chat.  I am here to help.

Picture of Michael Thomas

I’m Michael Thomas.

 When you engage with me as an advisor it is as if you are shaking hands with the hundreds of professionals that support me. I’ve worked directly with clients in my career of 27 years in this industry. You can check me out on FINRA BrokerCheck.

As an independent advisor, I have an independent broker-dealer, Commonwealth Financial Network.   Our relationship with Commonwealth affords us access to an incredibly diverse lineup of investment products, professional advice, and industry compliance.

We use an industry-leading insurance distributor and service provider to gain access to a diverse product lineup, as well as an outstanding Advanced Sales department.

We invite you to schedule a 15 minute call to see if we might be of service to you.

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About Us

This is our orchard in beautiful Hamilton, Montana.

Each of the 40 trees was planted by hand by me, Michael Thomas. Each tree was selected for its uniqueness. The disease resistance, hardiness, productivity, flowering season, compatible pollinators, water table, and the heights of the trees were just some of the factors considered. Once established, the trees will produce fruit in early, middle, and late season. Some of the fruit will be ready immediately, while some will improve in storage. Its purpose is to meet the needs of my family in an ongoing manner.

Your wealth should be managed in such a way as to provide for the needs of your family, now and in the future too. We strive to make your priorities our priorities with the same attention to detail. We listen, consider the most effective means to reach your objectives, and show you what we believe makes the most sense.

What makes us different?

Our culture, as an independent firm, is to seek out what is best for our clients in an objective fashion. Being licensed for securities, fee-based asset management, and insurance products we have a wide selection of tools and knowledge available to help our clients reach their goals. We give direct answers to questions and strive to make the complicated understandable. Additionally, we are highly transparent on where and how we are compensated.

In 2016 we moved to Hamilton from Whidbey Island, Washington. My wife, Sarah Durling Thomas, grew up in Hamilton and taught art at Hamilton High School. After marrying and relocating to Washington, somehow it was my idea to go back to Hamilton. Hamilton is a wonderful place to raise our four children, which are our top priority. Our family includes Annika (21), Michael (11), Dot (8), Clara (6), and our Rhodesian Ridgeback, Maggie (6). Together we enjoy working on our homestead in the Bitterroot Mountains and all the learning that endeavor entails.


You do not have to go to New York to get world-class service and investment advice, as we have that right here in Hamilton. Also, we have moose. We serve individual investors, business owners, and partner with legal & tax professionals.

A listing of the services and investments we work with can be found here:



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We welcome the opportunity to learn more about you and your financial goals, and we invite you to give us a call or schedule an in-person meeting.