Vetted Advisor's Table

Thomas Brown, CFP®
Brown Financial Management Group LLC

Tel: 518-464-9974
950 New Loudon Rd
Suite 105
Latham, NY 12110

About Brown Financial Management Group LLC


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General Information

Firm Start Year:   1986
No. of Employees:   1
Insurance License#:   LA-673474
Name of Broker/Dealer:   Cambridge Investment Research, Inc.
Name of Custodial Firm:   National Financial Services, LLC
States Licensed in:   CT, FL, GA, IL, MA, MD, ME, MO, NC, NJ, NY, PA, SC, TX, VA, WI
Number of Years with Current Firm:   14
Work Experience:   The founder of our firm, Thomas J. Brown, CFP®, is a CERTIFIED FINANCIAL PLANNER with over 35 years of financial experience. He received his certification in November 1992 and has also established his own Registered Investment Advisor (RIA) Firm. Brown Financial Management Group, LLC was established in 2017.
Work with the following types of clients:   Individual Investors, Businesses, Trusts and Estates
Advisory Services Provided:   Financial Advice & Consulting, Investment Advice & Management, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, Wealth Management


Investment Types:   Mutual Funds, Insurance, Exchange Traded Funds (ETFs), Annuities, Stocks, Bonds, Socially Responsible Investments (SRI)
Can meet clients in the following ways:   Our Office, Your Home, Your Office

Qualifications & Memberships

Insurance and Annuity Licenses:   Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability
Financial Organization Memberships:   Financial Planning Association (FPA), Financial Services Institute

Firm Information

Firm's Number of Clients:   130
Firm's Number of Planning Clients:   105
Firm's Number of Managed Clients:   105
Assets Managed by Firm:   40,831,751
Advisor's Number of Clients:   135
Advisor's Number of Managed Clients:   98
Advisor's Number of Planning Clients:   98
Assets Managed by Advisor:   51,209,233

Compensation and Fees

Fee Structure:   Fee-Based
Minimum Portfolio Size for New Managed Accounts:   $1
Compensation Methods:   Hourly, Based on Assets
Fee % Based on Assets:   varies
Hourly Rate:   $195
Flat Fee Rate:   varies
Minimum Fee Charged for Managed Accounts:   $0
Minimum Fee Charged for Hourly Planning Accounts:   $0
Minimum Fee Charged for Flat Fee Accounts:   $0

Financial Services

Financial Planning for Businesses

Mainly involved in setting up retirement plans for businesses. We can refer you to group insurance specialists.

Financial Planning for Individuals

All major financial planning areas are covered/reviewed to provide comprehensive planning for both short and long term goals with continued guidance.

Financial Advice & Consulting

Very well seasoned advisor with both wisdom and common sense in one package! That is very rare in this day and age.

Portfolio Management

Fully disclosed and unique process to custom tailor investments to the needs of the client. We do not do "cookie cutter" portfolios where everyone gets the same thing. Investment performance disclosure and quarterly portfolio reviews. We are the real deal!

Retirement Planning

Projections completed to include inflation, the return on your nest egg, social security, pension if any. Shows approximately what you can safely spend during retirement, projected out to age 100 or beyond.

401K Rollovers

We do many 401K rollovers and the investment process is the same as you see under the "Portfolio Management" section above.

Insurance Planning

Mostly Long Term Care insurance counseling. Also can do life and disability coverage if needed.


If appropriate for the client, we can place both fixed and variable annuities for you.

Estate Planning & Trusts

We can assist you with setting up the basics of your Estate but ultimately an Estate Planning Attorney has to draw up all the legal documents such as your Will, Power of Attorney, Health Care Proxy, Living Will or Trust Document if needed.

Tax Planning & Mitigation

We do not prepare taxes but must have tax knowledge to properly advise you in other financial areas.

Education Funding & Planning

We do projections of what you may need in the future at college time based on inflation, rates of returns on investments and how much you need to invest each month to meet your goals. Assist with setting up tax advantaged 529 College Savings Plans.

Investment Management & Advice

We actually do what others only say they will do. We have quarterly reviews of your portfolios and prefer to charge a fee based on the amount of assets under our management rather than deal on a commission basis. Any portfolio fine tuning is done quarterly and interim if necessary.

Wealth Management

Part of the entire portfolio management process and includes deferral of taxation if appropriate. Estate planning is also a part of Wealth Management.

Risk Management

Part of the entire portfolio management process. From an insurance protection standpoint, we assist/advise in most areas.

Money Management

We do not do budgeting for clients but do assist with analyzing your expenses/cash flow if requested.


WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.


Additional Detailed Disclosures



*Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer; Member FINRA/SIPC. Investment Advisor Representative, Thomas J. Brown, Brown Financial Management Group, LLC a Registered Investment Advisor. Cambridge Investment Research, Inc. and Brown Financial Management Group, LLC are not affiliated.


Registered Investment Advisor:


Registered Representative:


Investment Advisor Representative:


Compliance Disclosures in Last 5 years:

I have a clean record

Criminal Disclosures in Last 5 years:

I have a clean record

Office Hours

Mon. 8:00 AM - 4:00 PM
Tue. 8:00 AM - 4:00 PM
Wed. 8:00 AM - 4:00 PM
Thu. 8:00 AM - 4:00 PM
Fri. 8:00 AM - 4:00 PM

Communities Served


Compensation Arrangements