Amicus Financial Advisors, LLC (“Amicus,” “we,” or “us”) is a fee-based financial planning
firm providing comprehensive financial planning, insurance planning, tax planning,
retirement planning, non-legal trust and estate planning, cash flow management, investment
advice, and asset management services.
Amicus is an SEC-registered investment advisor. Amicus has been providing financial
planning services to clients since 2004. PlanFirst, Inc. is the sole owner of Amicus and
PlanFirst, Inc. is owned by Joseph W. Tombs, Patrick J. Tombs, and David B. Tombs in equal
shares.
Financial Planning Services
Amicus provides financial planning services. Clients may choose to engage Amicus for a
comprehensive financial plan, or limit the scope of our financial planning services to one or
more financial topics. Comprehensive financial planning involves learning about our clients,
the various aspects of their personal and financial lives, and making recommendations to help
the client reach their goals, mitigate their risks, and better manage their assets. We evaluate
the client’s current and future cash flows, assets, liabilities, goals, as well as the current and
future economic environments. Clients who retain our financial planning services receive a
comprehensive plan designed to help them understand our analysis and our recommendations.
In general, the financial plan will cover one or more of the following areas:
• Cash Management
• Asset Allocation/Investing
• Risk Management
• Retirement
Planning
• Life Insurance Planning
• Long Term Care and Disability Planning
• Education Planning
• Tax Planning
• Non-legal aspects of Estate Planning.
Investment Advisory Services
When a client retains Amicus’ investment advisory services, we will work with the client to
determine their goals, desires, and to develop an Investment Policy Statement (IPS). Each IPS
is personalized to the client’s unique needs, cash flows, preferences, time horizons, and any
constraints imposed by the client. The IPS will serve as a guiding document by which we
manage discretionary accounts. Amicus does not follow the IPS with blind devotion; rather,
Amicus also takes into consideration changes in the client’s personal situation, financial and
tax environment. Instead, Amicus strives to diligently monitor these changes and make
appropriate adjustments.
Amicus manages investment advisory accounts primarily holding no-load mutual funds,
exchange traded funds (ETFs), real estate investment trusts (REITS), individual stocks, or
bonds. Accounts are managed on a discretionary or non-discretionary basis. Clients may
impose reasonable restrictions on how their investments are managed.
Wrap Fee Programs
Amicus does not place client assets into a wrap fee program.
Assets Under Management
As of December 31, 2023 Amicus managed approximately $438,800,046 on a discretionary
basis and $0 on a non-discretionary basis. The total amount of assets under management was
$438,800,046.