# Thomas Cloud

> Thomas Cloud is a fee-only financial advisor at Third Act Retirement Planning, Inc. in Marietta, Georgia, who holds the AAMS, CFP and ChFC credentials. Thomas focuses on retirement planning, estate & legacy planning and tax planning. Third Act Retirement Planning, Inc. reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/thomas-cloud/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Third Act Retirement Planning, Inc.
- **Based in:** Marietta, Georgia
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $30.4M across 177 accounts
- **Credentials:** AAMS, CFP, ChFC, CSA
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **CRD:** 3021086 (https://adviserinfo.sec.gov/individual/summary/3021086)
- **SEC registration:** Investment adviser representative in GA
- **Exams passed:** Series 63 (1998), Series 65 (1999)
- **Firm size:** 2 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** http://thirdactretirement.com

## Frequently asked questions

### Is Thomas Cloud a fee-only financial advisor?

Yes. Thomas Cloud is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Thomas's firm.

### How does Thomas charge for financial advice?

Thomas's firm, Third Act Retirement Planning, Inc., reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Thomas Cloud based?

Thomas Cloud is based in Marietta, Georgia.

### What does Thomas specialize in?

Thomas's specialties include retirement planning, estate & legacy planning and tax planning.

### What credentials does Thomas Cloud hold?

Thomas Cloud holds the AAMS, CFP, ChFC and CSA credentials.

### Is Thomas Cloud registered with the SEC?

Yes. Thomas Cloud is registered as an investment adviser representative in GA (CRD 3021086), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. The record lists disclosures; see the SEC record for details.

### How much does Third Act Retirement Planning, Inc. manage?

Third Act Retirement Planning, Inc. reports $30.4M across 177 accounts in assets under management.

### How do I contact Thomas Cloud?

Through Thomas's website, thirdactretirement.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/6258): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.thirdactretirement.com/): specialties, clients served, and fees, checked October 28, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.