Retirement and Wealth Planning for those with Sudden Wealth
Transform sudden fortune into a purposeful retirement.
Wise financial guidance for managing inheritances, business sales, NIL money, damages awarded or settlements, and other financial windfalls.
Retirement and Wealth Planning for those with Sudden Wealth
Transform sudden fortune into a purposeful retirement.
Wise financial guidance for managing inheritances, business sales, NIL money, damages awarded or settlements, and other financial windfalls.
Retirement and Wealth Planning for those with Sudden Wealth
Transform sudden fortune into a purposeful retirement.
Wise financial guidance for managing inheritances, business sales, NIL money, damages awarded or settlements, and other financial windfalls.
"It is the blessing of the LORD that makes rich, And He adds no sorrow to it."
- Proverbs 10:22
"It is the blessing of the LORD that makes rich, And He adds no sorrow to it."
- Proverbs 10:22
"It is the blessing of the LORD that makes rich, And He adds no sorrow to it."
- Proverbs 10:22
Don't Let Money Become A Burden
Managing sudden wealth can feel overwhelming. Without proper guidance, you might make choices that don't align with your faith, miss opportunities to grow His kingdom, or risk your retirement security through unwise investing. Your newfound wealth is a gift - but like any gift or talent, it needs wise stewardship.
Think about your legacy.
What impact do you want your wealth to have?
How can it serve your family, your faith, and your future?
These aren't just financial decisions - they're spiritual ones.
Don't Let Money Become A Burden
Managing sudden wealth can feel overwhelming. Without proper guidance, you might make choices that don't align with your faith, miss opportunities to grow His kingdom, or risk your retirement security through unwise investing. Your newfound wealth is a gift - but like any gift or talent, it needs wise stewardship.
Think about your legacy.
What impact do you want your wealth to have?
How can it serve your family, your faith, and your future?
These aren't just financial decisions - they're spiritual ones.
Don't Let Money Become A Burden
Managing sudden wealth can feel overwhelming. Without proper guidance, you might make choices that don't align with your faith, miss opportunities to grow His kingdom, or risk your retirement security through unwise investing. Your newfound wealth is a gift - but like any gift or talent, it needs wise stewardship.
Think about your legacy.
What impact do you want your wealth to have?
How can it serve your family, your faith, and your future?
These aren't just financial decisions - they're spiritual ones.
Wisdom Meets Financial Expertise
At Third Act Retirement Planning, we combine faith-based principles with professional financial planning. Our Sudden Wealth Stewardship system helps you:
Make wise allocation choices with your wealth so it is protected from large drops with proper diversification and investment selection.
Plan for a secure retirement that lets you be more of a servant to those around you.
Create a lasting legacy for your family and His kingdom
Navigate tax, estate, and insurance decisions with confidence
All while maintaining a focus on lasting, meaningful outcomes
Wisdom Meets Financial Expertise
At Third Act Retirement Planning, we combine faith-based principles with professional financial planning. Our Sudden Wealth Stewardship system helps you:
Make wise allocation choices with your wealth so it is protected from large drops with proper diversification and investment selection.
Plan for a secure retirement that lets you be more of a servant to those around you.
Create a lasting legacy for your family and His kingdom
Navigate tax, estate, and insurance decisions with confidence
All while maintaining a focus on lasting, meaningful outcomes
Wisdom Meets Financial Expertise
At Third Act Retirement Planning, we combine faith-based principles with professional financial planning. Our Sudden Wealth Stewardship system helps you:
Make wise allocation choices with your wealth so it is protected from large drops with proper diversification and investment selection.
Plan for a secure retirement that lets you be more of a servant to those around you.
Create a lasting legacy for your family and His kingdom
Navigate tax, estate, and insurance decisions with confidence
All while maintaining a focus on lasting, meaningful outcomes
What Our Customers Say
“We choose Tommy based on our gut feeling. We talked to him and he did a financial work up or profile. I felt good when we talked to him. And felt like he was the right person to control our money. Tommy's communication is great so that we know our money is going to be safe. He puts information out there. When we have questions Tommy takes the time to explain it and go into details. At least if our stuff goes down we hope it does not go down more than anyone else’s. From one of the first meetings. He knew that we had been divorced and remarried. Tommy is not someone that just wants to handle my money and make money off of me. We each talked about our divorces. It was a deeper conversation than we would normally have in that situation. I appreciate our friendship more than the business aspect.”
Chuck and Leslie A. in Georgia
“I got bad advice from Ameriprise and wanted a good financial advisor. Basically I concluded to go with a fee only and not part of a big company. Thomas is easy be able to talk to. We interviewed to financial planners. Thomas made a relaxed impression. He did not try to sell me anything. The best thing I get from working with Thomas is I have peace of mind. I see that there is progress in how my money is managed. I talked with Ameriprise about an investment strategy and all they recommended was an annuity. Most important is peace of mind. Thomas is a financial guy but I am not. And so he has to take care of that part. Thomas is not trying to sell me things. Ameriprise was always trying to push annuities and REITs. That is a big deal to me. I pay a transparent, easy to find, fee but not different level of commissions per product purchase. I can live with his fee.”
Loet and Rinny S. in Georgia
“Thomas is independent and does not work for a bank, insurance or investment company. I found him thru Clark Howard’s recommendation of fee-only financial planners. This was the most important factor to me in selecting Thomas. The thing I value most about his service is that he responds promptly and honestly to my questions. When we first talked I talk to him about how I was going to retire. Thomas then provided me with a retirement plan and written recommendations as to how I could not out live my money and do it well. And it has worked! That was over 6 years ago. I have not had to pull any money from my investments to live on and I think it is largely due to the financial plan Thomas provided to me. He has also provided me with substantial explanations to the changes he makes and my portfolio has been steady. I have felt confident in his suggestions and offerings.”
Marci U. in Pennsylvania
"Thru out our relationship Tommy has always been attentive and honest. Every time we have met we have shared some personal things that are confidential. When I had surgeries and my parents pasted away Tommy was right there. That has added a trust level. Communication is most valuable. He provides information. We were able to sit down and change our strategy. Tommy met my needs. He shared with me the way I handle different portfolios. Tommy left the decision up to me unless he thought I was making a bad decision. He is honest. When I have made changes to the account types, he have always been very accommodating.”
Bette S. in Georgia
"Tommy is so helpful. He explains everything and helps you to navigate your investment portfolio and prepare for retirement. I highly recommend him!”
Tina S. in Georgia
“I talked to one of Thomas’s clients before hiring him and she had many years of good experiences with him. Before working becoming a client of Third Act Retirement Planning I had accounts in 7 different locations including 403(b)s, annuities, and IRAs. Now I have all my accounts in one place! I knew I could not manage everything and I did not know what I was doing. I was comfortable when I met Tommy. Since I started working with him I have been most happy with the fact that he is very available to answer questions. He also explains my investments so that I know how I am invested. I liked his process of going thru risk profiles with me too. He took the time to understand me and how I want my money invested during this process. Thomas also has done the best job of explaining his fees and how he gets paid. I can easily see his fees. I have no idea what I was paying my other financial advisor. I would not even begin to know where to put my money based on risk I want to take but Thomas did that for me and now I feel so much peace about where it is!”
Anne E. from Georgia
“When I was working with my longtime friend, who was my financial advisor for 20+ years, I did not know what I was paying him or what my fees were, I was also not clear on where my money was being invested. I received these transaction statements from my old advisor and had no idea why they occurred. I became so upset with him at one point I used the work churning when I asked him a question about the transactions. Before I started working with Thomas Cloud of Third Act Retirement Planning, I was worried about running out of money in retirement. My previous financial planner did not respond to my emails either. Working with Thomas has been much better! I wish I would have switched over years ago. I know exactly what I am paying Thomas, his fees are transparent and easy to see and understand. I now understand how my money is being invested and I no longer worry about running out of money. I am confident with my retirement plan and being able to enjoy my retirement for as long as I’m alive. Before I met Thomas I thought there was no way I could stop working so much. But he helped me to see that it was OK for me to finally work part time or even retire all together. Thomas also promptly responds to my emails.”
Jerry and Nancy F. in Michigan
What Our Customers Say
“We choose Tommy based on our gut feeling. We talked to him and he did a financial work up or profile. I felt good when we talked to him. And felt like he was the right person to control our money. Tommy's communication is great so that we know our money is going to be safe. He puts information out there. When we have questions Tommy takes the time to explain it and go into details. At least if our stuff goes down we hope it does not go down more than anyone else’s. From one of the first meetings. He knew that we had been divorced and remarried. Tommy is not someone that just wants to handle my money and make money off of me. We each talked about our divorces. It was a deeper conversation than we would normally have in that situation. I appreciate our friendship more than the business aspect.”
Chuck and Leslie A. in Georgia
“I got bad advice from Ameriprise and wanted a good financial advisor. Basically I concluded to go with a fee only and not part of a big company. Thomas is easy be able to talk to. We interviewed to financial planners. Thomas made a relaxed impression. He did not try to sell me anything. The best thing I get from working with Thomas is I have peace of mind. I see that there is progress in how my money is managed. I talked with Ameriprise about an investment strategy and all they recommended was an annuity. Most important is peace of mind. Thomas is a financial guy but I am not. And so he has to take care of that part. Thomas is not trying to sell me things. Ameriprise was always trying to push annuities and REITs. That is a big deal to me. I pay a transparent, easy to find, fee but not different level of commissions per product purchase. I can live with his fee.”
Loet and Rinny S. in Georgia
“Thomas is independent and does not work for a bank, insurance or investment company. I found him thru Clark Howard’s recommendation of fee-only financial planners. This was the most important factor to me in selecting Thomas. The thing I value most about his service is that he responds promptly and honestly to my questions. When we first talked I talk to him about how I was going to retire. Thomas then provided me with a retirement plan and written recommendations as to how I could not out live my money and do it well. And it has worked! That was over 6 years ago. I have not had to pull any money from my investments to live on and I think it is largely due to the financial plan Thomas provided to me. He has also provided me with substantial explanations to the changes he makes and my portfolio has been steady. I have felt confident in his suggestions and offerings.”
Marci U. in Pennsylvania
"Thru out our relationship Tommy has always been attentive and honest. Every time we have met we have shared some personal things that are confidential. When I had surgeries and my parents pasted away Tommy was right there. That has added a trust level. Communication is most valuable. He provides information. We were able to sit down and change our strategy. Tommy met my needs. He shared with me the way I handle different portfolios. Tommy left the decision up to me unless he thought I was making a bad decision. He is honest. When I have made changes to the account types, he have always been very accommodating.”
Bette S. in Georgia
"Tommy is so helpful. He explains everything and helps you to navigate your investment portfolio and prepare for retirement. I highly recommend him!”
Tina S. in Georgia
“I talked to one of Thomas’s clients before hiring him and she had many years of good experiences with him. Before working becoming a client of Third Act Retirement Planning I had accounts in 7 different locations including 403(b)s, annuities, and IRAs. Now I have all my accounts in one place! I knew I could not manage everything and I did not know what I was doing. I was comfortable when I met Tommy. Since I started working with him I have been most happy with the fact that he is very available to answer questions. He also explains my investments so that I know how I am invested. I liked his process of going thru risk profiles with me too. He took the time to understand me and how I want my money invested during this process. Thomas also has done the best job of explaining his fees and how he gets paid. I can easily see his fees. I have no idea what I was paying my other financial advisor. I would not even begin to know where to put my money based on risk I want to take but Thomas did that for me and now I feel so much peace about where it is!”
Anne E. from Georgia
“When I was working with my longtime friend, who was my financial advisor for 20+ years, I did not know what I was paying him or what my fees were, I was also not clear on where my money was being invested. I received these transaction statements from my old advisor and had no idea why they occurred. I became so upset with him at one point I used the work churning when I asked him a question about the transactions. Before I started working with Thomas Cloud of Third Act Retirement Planning, I was worried about running out of money in retirement. My previous financial planner did not respond to my emails either. Working with Thomas has been much better! I wish I would have switched over years ago. I know exactly what I am paying Thomas, his fees are transparent and easy to see and understand. I now understand how my money is being invested and I no longer worry about running out of money. I am confident with my retirement plan and being able to enjoy my retirement for as long as I’m alive. Before I met Thomas I thought there was no way I could stop working so much. But he helped me to see that it was OK for me to finally work part time or even retire all together. Thomas also promptly responds to my emails.”
Jerry and Nancy F. in Michigan
What Our Customers Say
“We choose Tommy based on our gut feeling. We talked to him and he did a financial work up or profile. I felt good when we talked to him. And felt like he was the right person to control our money. Tommy's communication is great so that we know our money is going to be safe. He puts information out there. When we have questions Tommy takes the time to explain it and go into details. At least if our stuff goes down we hope it does not go down more than anyone else’s. From one of the first meetings. He knew that we had been divorced and remarried. Tommy is not someone that just wants to handle my money and make money off of me. We each talked about our divorces. It was a deeper conversation than we would normally have in that situation. I appreciate our friendship more than the business aspect.”
Chuck and Leslie A. in Georgia
“I got bad advice from Ameriprise and wanted a good financial advisor. Basically I concluded to go with a fee only and not part of a big company. Thomas is easy be able to talk to. We interviewed to financial planners. Thomas made a relaxed impression. He did not try to sell me anything. The best thing I get from working with Thomas is I have peace of mind. I see that there is progress in how my money is managed. I talked with Ameriprise about an investment strategy and all they recommended was an annuity. Most important is peace of mind. Thomas is a financial guy but I am not. And so he has to take care of that part. Thomas is not trying to sell me things. Ameriprise was always trying to push annuities and REITs. That is a big deal to me. I pay a transparent, easy to find, fee but not different level of commissions per product purchase. I can live with his fee.”
Loet and Rinny S. in Georgia
“Thomas is independent and does not work for a bank, insurance or investment company. I found him thru Clark Howard’s recommendation of fee-only financial planners. This was the most important factor to me in selecting Thomas. The thing I value most about his service is that he responds promptly and honestly to my questions. When we first talked I talk to him about how I was going to retire. Thomas then provided me with a retirement plan and written recommendations as to how I could not out live my money and do it well. And it has worked! That was over 6 years ago. I have not had to pull any money from my investments to live on and I think it is largely due to the financial plan Thomas provided to me. He has also provided me with substantial explanations to the changes he makes and my portfolio has been steady. I have felt confident in his suggestions and offerings.”
Marci U. in Pennsylvania
"Thru out our relationship Tommy has always been attentive and honest. Every time we have met we have shared some personal things that are confidential. When I had surgeries and my parents pasted away Tommy was right there. That has added a trust level. Communication is most valuable. He provides information. We were able to sit down and change our strategy. Tommy met my needs. He shared with me the way I handle different portfolios. Tommy left the decision up to me unless he thought I was making a bad decision. He is honest. When I have made changes to the account types, he have always been very accommodating.”
Bette S. in Georgia
"Tommy is so helpful. He explains everything and helps you to navigate your investment portfolio and prepare for retirement. I highly recommend him!”
Tina S. in Georgia
“I talked to one of Thomas’s clients before hiring him and she had many years of good experiences with him. Before working becoming a client of Third Act Retirement Planning I had accounts in 7 different locations including 403(b)s, annuities, and IRAs. Now I have all my accounts in one place! I knew I could not manage everything and I did not know what I was doing. I was comfortable when I met Tommy. Since I started working with him I have been most happy with the fact that he is very available to answer questions. He also explains my investments so that I know how I am invested. I liked his process of going thru risk profiles with me too. He took the time to understand me and how I want my money invested during this process. Thomas also has done the best job of explaining his fees and how he gets paid. I can easily see his fees. I have no idea what I was paying my other financial advisor. I would not even begin to know where to put my money based on risk I want to take but Thomas did that for me and now I feel so much peace about where it is!”
Anne E. from Georgia
“When I was working with my longtime friend, who was my financial advisor for 20+ years, I did not know what I was paying him or what my fees were, I was also not clear on where my money was being invested. I received these transaction statements from my old advisor and had no idea why they occurred. I became so upset with him at one point I used the work churning when I asked him a question about the transactions. Before I started working with Thomas Cloud of Third Act Retirement Planning, I was worried about running out of money in retirement. My previous financial planner did not respond to my emails either. Working with Thomas has been much better! I wish I would have switched over years ago. I know exactly what I am paying Thomas, his fees are transparent and easy to see and understand. I now understand how my money is being invested and I no longer worry about running out of money. I am confident with my retirement plan and being able to enjoy my retirement for as long as I’m alive. Before I met Thomas I thought there was no way I could stop working so much. But he helped me to see that it was OK for me to finally work part time or even retire all together. Thomas also promptly responds to my emails.”
Jerry and Nancy F. in Michigan
Your partner in sudden wealth stewardship
Hi, I'm Tommy Cloud. Like you, I believe that managing wealth is about more than just numbers - it's about serving God's purpose. As a Certified Financial Planner (R), Chartered Financial Consultant (R), and Qualified Kingdom Advisor (R), I help Christians like you turn unexpected financial windfalls into lasting impact and a blessing.
I understand the weight of this money because I've walked this path with many others just like you. I know the questions keeping you up at night. Should you keep working? Where should you invest the money? How do I reduce my taxes? Should I buy insurance? If so, how much? Do I need a trust? If yes, what kind? Should I invest in my friend's ______ idea? Who should I tell? What are healthy boundaries to set with friends and family? How much should you give? What about your children's inheritance? Together, we'll find answers that bring you peace.
Your partner in sudden wealth stewardship
Hi, I'm Tommy Cloud. Like you, I believe that managing wealth is about more than just numbers - it's about serving God's purpose. As a Certified Financial Planner (R), Chartered Financial Consultant (R), and Qualified Kingdom Advisor (R), I help Christians like you turn unexpected financial windfalls into lasting impact and a blessing.
I understand the weight of this money because I've walked this path with many others just like you. I know the questions keeping you up at night. Should you keep working? Where should you invest the money? How do I reduce my taxes? Should I buy insurance? If so, how much? Do I need a trust? If yes, what kind? Should I invest in my friend's ______ idea? Who should I tell? What are healthy boundaries to set with friends and family? How much should you give? What about your children's inheritance? Together, we'll find answers that bring you peace.
Your partner in sudden wealth stewardship
Hi, I'm Tommy Cloud. Like you, I believe that managing wealth is about more than just numbers - it's about serving God's purpose. As a Certified Financial Planner (R), Chartered Financial Consultant (R), and Qualified Kingdom Advisor (R), I help Christians like you turn unexpected financial windfalls into lasting impact and a blessing.
I understand the weight of this money because I've walked this path with many others just like you. I know the questions keeping you up at night. Should you keep working? Where should you invest the money? How do I reduce my taxes? Should I buy insurance? If so, how much? Do I need a trust? If yes, what kind? Should I invest in my friend's ______ idea? Who should I tell? What are healthy boundaries to set with friends and family? How much should you give? What about your children's inheritance? Together, we'll find answers that bring you peace.
Your Journey to Financial Peace
The path to confident stewardship takes just three steps:
Share Your Story
A relaxed, friendly meeting where we'll understand your values and goals.
Receive Your Plan
Get your custom Sudden Wealth Stewardship plan that aligns with needs.
Walk Together
Move forward with confidence as we implement your plan and guide you through each decision.
Your Journey to Financial Peace
The path to confident stewardship takes just three steps:
Share Your Story
A relaxed, friendly meeting where we'll understand your values and goals.
Receive Your Plan
Get your custom Sudden Wealth Stewardship plan that aligns with needs.
Walk Together
Move forward with confidence as we implement your plan and guide you through each decision.
Your Journey to Financial Peace
The path to confident stewardship takes just three steps:
Share Your Story
A relaxed, friendly meeting where we'll understand your values and goals.
Receive Your Plan
Get your custom Sudden Wealth Stewardship plan that aligns with needs.
Walk Together
Move forward with confidence as we implement your plan and guide you through each decision.
Financial Guidance
Your sudden wealth is more than money - it's an opportunity to make a lasting difference. At Third Act Retirement Planning, we understand the unique challenges Christians face when managing suddenly received money. That's why we created our Sudden Wealth Stewardship system.
We bring together faith-based wisdom and professional expertise to help you retire with confidence, give generously, and leave a legacy that honors God. No need to figure this out alone. Our transparent, fee-only approach means you'll never wonder if we're putting your interests first.
Financial Guidance
Your sudden wealth is more than money - it's an opportunity to make a lasting difference. At Third Act Retirement Planning, we understand the unique challenges Christians face when managing suddenly received money. That's why we created our Sudden Wealth Stewardship system.
We bring together faith-based wisdom and professional expertise to help you retire with confidence, give generously, and leave a legacy that honors God. No need to figure this out alone. Our transparent, fee-only approach means you'll never wonder if we're putting your interests first.
Financial Guidance
Your sudden wealth is more than money - it's an opportunity to make a lasting difference. At Third Act Retirement Planning, we understand the unique challenges Christians face when managing suddenly received money. That's why we created our Sudden Wealth Stewardship system.
We bring together faith-based wisdom and professional expertise to help you retire with confidence, give generously, and leave a legacy that honors God. No need to figure this out alone. Our transparent, fee-only approach means you'll never wonder if we're putting your interests first.
Choose your Plan
We believe in complete transparency with our fees, just as we do with our advice. Our fee-only structure means we work solely for you - no hidden charges, no product commissions, no surprises.
Annual Fee
1% or less of investable assets. Negotiable.
What's Included:
Your complete Sudden Wealth Stewardship plan
Regular portfolio management and rebalancing. [Our fee is reduced if you want to manage the money yourself.]
Create a financial plan with ongoing guidance
Tax and estate planning coordination
Direct access to your advisor
Peace of mind knowing your wealth serves His purpose
Fees may be adjusted based on your specific situation. Let's talk about what works best for you.
Choose your Plan
We believe in complete transparency with our fees, just as we do with our advice. Our fee-only structure means we work solely for you - no hidden charges, no product commissions, no surprises.
Annual Fee
1% or less of investable assets. Negotiable.
What's Included:
Your complete Sudden Wealth Stewardship plan
Regular portfolio management and rebalancing. [Our fee is reduced if you want to manage the money yourself.]
Create a financial plan with ongoing guidance
Tax and estate planning coordination
Direct access to your advisor
Peace of mind knowing your wealth serves His purpose
Fees may be adjusted based on your specific situation. Let's talk about what works best for you.
Choose your Plan
We believe in complete transparency with our fees, just as we do with our advice. Our fee-only structure means we work solely for you - no hidden charges, no product commissions, no surprises.
Annual Fee
1% or less of investable assets. Negotiable.
What's Included:
Your complete Sudden Wealth Stewardship plan
Regular portfolio management and rebalancing. [Our fee is reduced if you want to manage the money yourself.]
Create a financial plan with ongoing guidance
Tax and estate planning coordination
Direct access to your advisor
Peace of mind knowing your wealth serves His purpose
Fees may be adjusted based on your specific situation. Let's talk about what works best for you.
Financial Insights
Practical wisdom for those managing wealth, many of which, we have seen work with our clients since 2000.
Stay Connected on Your Financial Stewardship Journey
Join other investors and gain financial insights and market updates. Get our latest guidance on managing wealth.
Stay Connected on Your Financial Stewardship Journey
Join other investors and gain financial insights and market updates. Get our latest guidance on managing wealth.
Stay Connected on Your Financial Stewardship Journey
Join other investors and gain financial insights and market updates. Get our latest guidance on managing wealth.