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Welcome!

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.


Schedule a Call


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.

Services

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:


  

For Individual Investors


  • Portfolio analysis- We will compare your risk tolerance to your actual portfolio risk level, evaluate the individual investments, and consider the types of accounts you are using.  In doing this we can sometimes suggest changes that are more effective at reaching your objectives.
  • Estate and insurance planning- We can work directly with your legal professionals to set up and manage trust accounts, implement plans to efficiently transfer wealth to your heirs, and address potential obstacles to those plans, such as death, disability, or the need for long-term care.
  • For very conservative investors we work with guaranteed insurance products so that there is zero risk to your principle.
  • For accredited investors we offer, as appropriate and available, private placements, non-publicly traded REITs, oil & natural gas partnerships, hedge funds, and  commodities exposure.
  

For Business Owners


  • Retirement plan analysis- We can compare the different types of retirement plans available to you that specifically address your needs. We handle qualified plans, as well as non-qualified selective benefit plans. We can implement a plan to fit your needs and provide service and advice to your employees.
  • Succession planning- Working with your attorney, we can compare solutions for funding a Buy-Sell agreement with insurance. These can provide for an efficient transfer of ownership from one party to another when one or more party dies. Alternatively, in some situations an Employee Stock Ownership Plan (ESOP) may be appropriate.
  • Group benefit plans- We have access to group life and disability insurance for your employees.
  

For Legal & Tax Professionals


  • IRA/Qualified Plan questions/Plan comparisons
  • RMD Illustrations
  • Cost basis research and security identification
  • Complimentary portfolio review
  • Statement organization, shredding
  • Life/LTC/Disability insurance policy review
  • Beneficiary reviews

Blog

Our thoughts on timely topics, finance-related.

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Client Center

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Getting Started is Easy

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.

Schedule a Call