Thomas M Dowling

Retirement, Investing, Insurance
  • Hilton Head, SC
  • 212-806-6303
“With over 20 years of experience in the financial industry, Thomas M. Dowling firmly believes that "it’s better to be interested than interesting". He doesn’t just hear - he listens - and that is what allows him to provide customized financially responsible solutions that each individual requires.”

Aegis Capital Corp.

Job Title:

Executive Managing Director


Thomas M. Dowling is the Executive Managing Director at Aegis Capital Corp and works both out of Hilton Head, SC and New York, NY. Prior to Aegis Capital, Thomas directed the East Coast expansion of a publicly-traded Investment Banking firm and was Vice President and Senior Advisor of a regional Investment Advisory organization. He was a member of each firm's Chairman's Council and President's Circle. Shortly thereafter, he founded Quadstar Capital Advisors, which provides Advisory Services to Ultra-High Net Worth clients.

Thomas has been featured in various publications and has been a guest speaker at various financial organizations such as the Evelyn Brust Financial Research and Education Foundation and the South Carolina Business Review. He has also been a volunteer for The Dale Carnegie Training Institute which helps people develop leadership, communication and public speaking skills. Additionally, he is the founder and chairman of The Resource Group which is a forum that allows business owners to collaborate in order to help each other gain insight and knowledge to better run their business.

Thomas’s goal is to help people answer two of the most fundamental, yet important, financial questions:  "will I make it?" and "what can stop me from achieving it?". After working towards these goals for over 20+ years, he has found that most people have no idea what “it” is. His passion is to help people understand what their “it” is. He believes it is sad when someone is marching towards their goals and dreams and then gets blindsided by something they did not anticipate or overlooked.

Thomas received his BS in Business Administration with a minor in Finance from the State University of New York and completed the graduate-level Certified Investment Management Analyst program (CIMA®) held in conjunction with The Wharton School, University of Pennsylvania. Thomas is proud to hold both the Chartered Financial Analyst designation, as well as the CERTIFIED FINANCIAL PLANNER™ certification, which puts him in a group of fewer than 2,800 professionals in the United States who hold both certifications. Furthermore, he is a Chartered Retirement Plans Specialist, Certified College Planning Specialist™ and an Education Loan Analyst™.

Thomas is currently a member of the CFA Institute, New York Society of Security Analysts, CFA Society of South Carolina, Financial Planning Association, the National Institute of Certified College Planners as well as the Investment Management Consultants Association.

Thomas attributes his understanding of what is most important in life to his wife and two sons.


BS, Business Administration, State University of New York
Certified Investment Management Analyst Program, University of Pennsylvania, The Wharton School

Fee Structure:


CRD Number:


Insurance License:



All information herein has been prepared solely for informational purposes. Articles and answers are not intended as a solicitation of an offer to buy or sell any security investment or instrument or to participate in any particular trading strategy. Aegis Capital Corp. is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within this site. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional.

  • Tom Dowling
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September 2016
    College Tuition, Lifestage Based Planning

All Answers
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    401(k), IRAs
How should I transfer my Roth 401(k)?
100% of people found this answer helpful

Do a Trustee to Trustee rollover from your Roth 401(k) to a Roth IRA. That will allow you to maintain the same tax advantages you had contributing to the Roth 401(k).

You are able to contribute to a Roth IRA $5,500 ($6,500 if you are age 50 and older) if you fall within the income limits.

Phase outs start at an income of $117,000 and then you become ineligible to fund a ROTH IRA at an income of $132,000 if you are single.

Phase out starts at $184,000 and then you become ineligible at $194,000 for married filers.

It would be prudent to contact a qualified financial advisor and/or CPA and have her do an analysis for you.

November 2016
    Personal Finance, Social Security
How much income can I make a year before my Social Security payments reduce?
100% of people found this answer helpful
November 2016
    IRAs, Taxes
Will gains from a Roth IRA be taxed?
100% of people found this answer helpful
November 2016
    Personal Finance, IRAs
What penalties will I receive for an early IRA withdrawal?
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November 2016
Will I be penalized for an IRA withdrawal?
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October 2016