Thomas F. Ravert

Managing Director

CFP®, New York Certified General Real Appraiser and Instructor

Pathway Capital Corp1 Main Street, Nyack, NY 10960

Languages: English

My Approach

Financial planning isn't one-size-fits-all. I specialize in helping individuals and families navigate the complex financial crossroads of life, focusing heavily on these unique groups and the major moments that define their journeys.

The Clients I Serve

Business Owners

Do not allow most of your personal wealth to become concentrated in your business and its real estate. Maintain adequate liquidity, protect against operational and ownership risks, and develop a succession or exit plan well before you expect to need one. A valuable business can provide substantial wealth, but only if that value can eventually be transferred, sold, or converted into dependable income.

Also: Single Parent, Women & Female Leaders

Major Milestones I Specialize In

Buying a Home and Relocation, Early Retirement or Financial Independence, End of Life and Legacy Planning

Our 7 Steps to Financial Planning

Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.

Summarized from the CFP® Board's Practice Standards. cfp.net

My Process

My financial planning practice is narrowly focused on the real estate-related decisions that can significantly affect a client’s financial life. I advise individuals and families on homeownership and investment real estate, and I work with business owners whose wealth and operations involve commercial property or essential equipment. My approach considers how these assets affect retirement readiness, estate planning, insurance coverage, investment diversification, liquidity, debt management, and risk. I also assist other financial planners when their clients face complex real estate, valuation, financing, or ownership questions that fall outside the planner’s primary area of expertise. Drawing on nearly four decades of experience in real estate valuation, lending, investing, and financial planning, I help clients and fellow advisors evaluate their options objectively and make informed decisions consistent with the client’s broader financial goals.

Disclosures

This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.

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Financial Planner Certifications

Designations & Certifications

CFP®

Technical Skills

Investment and Portfolio

Estate, Trust, and Legacy Planning

Cash Flow and Debt Optimization

Business Succession Planning

Compensation

This planner self-certifies that the information in this profile is accurate. Consumers should independently verify the planner’s credentials, registration, and background through CFP Board, the SEC, and FINRA BrokerCheck.

Compensation Methods

Fee Only

Fee-only means a CFP® professional may describe his or her practice as "fee-only" if, and only if, all the planner's compensation from all client work comes exclusively from clients in the form of fixed, flat, hourly, percentage, or performance-based fees.

Hourly: Pay a fixed rate only for the time spent on your plan. Great if you have a few specific questions or need occasional advice on a flexible basis.