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Humphrey Thomas

Retirement, Investing, Insurance
“As a Retirement Planning Specialist, Humphrey Thomas provides unbiased Comprehensive Financial Planning and Investments Management Post Divorce Financial Planning.”

HG Thomas Wealth Management, LLC

Job Title:



Humphrey Thomas is an Investment Adviser Representative (IAR), Registered Representative, Certified Divorce Financial Analyst®, Chartered Federal Employee Benefits Consultant ℠, and Accredited Asset Management Specialist™ (AAMS), while also being licensed in both life and health in the state of Texas. Born on the island of Curaçao, Humphrey moved to the Netherlands, where he graduated from Maastricht University with a degree in International Business. Humphrey not only has an abundance of knowledge and training in finance, but the experience of more than a decade as a professional financial advisor. Now a resident of Brownsville, TX, he is the founder of HG Thomas Wealth Management LLC, Thomas Divorce Advisors LLC, and blog, Empower Your Wealth, where he aims to equip individuals with sound, practical, financial principles – helping them obtain financial security.

CRD Number:



Humphrey G. Thomas is registered with and offers securities through Kovack Securities, Inc., member FINRA, SIPC. 6451 N. Federal Highway, Ste 1201, Fort Lauderdale, FL 33308 (954) 782-4771 Advisory services offered through Kovack Advisors, Inc. HG THOMAS WEALTH MANAGEMENT, LLC and Empower Your Wealth unaffiliated with Kovack Securities, Inc. and Kovack Advisors, Inc. Humphrey G. Thomas is registered in GA, SD and TX

Check the background of this financial professional on FINRA's BrokerCheck

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November 2018
    Real Estate, Financial Planning
November 2018
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    Life Insurance, End of Life, Women & Money
How should I invest my late husbands life insurance policy?
54% of people found this answer helpful

Please accept my deepest condolences and please take your time and not rush in making any financial decision.

I commend you for having purchased a life insurance a few years back, as you mentioned. When I have clients in a similar situation I always advise them taking some time to process it all. The most important decisions you already have made, which is to purchase a life insurance a few years back

I would definitely update the beneficiary information on the "other account" you mention. Not sure if your husband had a pension or not or any other retirement plan. If so please contact the Human Resource department of your late husband to make sure you update the necessary forms. Or at least find out what your options are.

I would highly recommend visiting an estate attorney to update your legal documents.

In the process take your time to interview a few advisors that are registered with the SEC. That would be my first question to ask the advisor.

As you are interviewing and looking for an advisor, find out if they would be willing to educate you on your options. Is financial and investment education part of their onboarding client process? Ask yourself, would you see yourself having a cup of coffee/tea with this person? As an advisor myself, I do the same thing when talking to a prospective client.

All in all the best thing to do is to take your time don’t rush in making any hasty decisions.

I wish you all the best  and strength during this time.

November 2017