Thomas M Dowling

Retirement, Investing, Insurance
“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 strategies that each individual requires.”

Aegis Capital Corp

Job Title:

Executive Managing Director


Thomas M. Dowling is an Executive Managing Director with 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.

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:



Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an opinion regarding the appropriateness of any investment, nor solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional. 

Registered Representatives offer securities, insurance and advisory services offered through Aegis Capital Corp, member FINRA/SIPC. No investment strategy or program can guarantee a profit or protect against loss.

  • Tom Dowling
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September 2016
    College Tuition, Lifestage Based Planning
August 2017
    ETFs, Investing

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    401(k), IRAs
What are the differences between a 401K and an IRA?
89% of people found this answer helpful

Some of the main differences are:

  1. A 401(k) plan is an employer-sponsored plan therefore you must work for the company in order to participate in the 401(k). In most cases anyone under the age of 70.5 who earns income can participate in an IRA.
  2. The 401(k) plan usually has better creditor protection than an IRA since it is an employer-sponsored investment plan.
  3. 401(k) plan contributions are usually made through payroll deductions. An IRA contributions usually are done by the individual writing the check and depositing in the IRA.
  4. A 401(k) Plan can offer loan privileges. An IRA does not have loan privileges.
  5. A 401(k) Plan can have an employer match provision. An IRA does not
  6. Contribution amounts are higher for a 401(k) ($18K for 2017). An IRA has a contribution amount of $5,500 (not including catch up)
  7. The catch up amount in a 401(k) is $6,000 in 2017. An IRA catch up is $1,000 in 2017.
  8. The investment options in a 401(k) are usually more limited than an IRA 
January 2017
    Social Security
What is the maximum I can receive from my Social Security retirement benefit?
87% of people found this answer helpful
August 2016
    Career / Compensation, Choosing an Advisor, Starting Out
What are the differences between a Chartered Financial Analyst (CFA) and a Certified Financial Planner (CFP)?
86% of people found this answer helpful
August 2016
    Investing, ETFs, Mutual Funds
What is the difference between exchange traded funds (ETFs) and closed end funds?
85% of people found this answer helpful
August 2016
    Social Security
Can my wife collect my social security when I die?
85% of people found this answer helpful
August 2016