# Thomas Kluttz

> Thomas Kluttz is a fee-only financial advisor at Analog Capital Partners in Houston, Texas, who holds the CFP and ChFC credentials. Thomas charges a percentage of assets (0.6%–1% a year of assets managed) and focuses on tax planning, estate & legacy planning and founders (pre-exit).

Page: https://find.wellspent.co/advisors/thomas-kluttz/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Analog Capital Partners
- **Based in:** Houston, Texas
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 0.6%–1% a year of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $92.8M across 493 accounts
- **Credentials:** CFP, ChFC
- **Specialties:** Tax planning, Estate & legacy planning, Founders (pre-exit), Retirement planning, Family wealth transfer
- **Works with:** Founders, Retirees, Pre-retirees, Ultra high net worth, Multi-generational families
- **CRD:** 8199461 (https://adviserinfo.sec.gov/individual/summary/8199461)
- **SEC registration:** Investment adviser representative in FL
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://www.acpfo.com/

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Thomas holds no broker registration, and Analog Capital Partners reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Thomas charge for financial advice?

Thomas charges a percentage of assets.

### How much does Thomas charge?

According to Analog Capital Partners's website, checked October 30, 2026: 0.6%–1% a year of assets managed.

### Where is Thomas Kluttz based?

Thomas Kluttz is based in Houston, Texas.

### What does Thomas specialize in?

Thomas's specialties include tax planning, estate & legacy planning, founders (pre-exit), retirement planning and family wealth transfer. Thomas works with founders, retirees, pre-retirees, ultra high net worth and multi-generational families.

### What credentials does Thomas Kluttz hold?

Thomas Kluttz holds the CFP and ChFC credentials.

### Is Thomas Kluttz registered with the SEC?

Yes. Thomas Kluttz is registered as an investment adviser representative in FL (CRD 8199461), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Analog Capital Partners manage?

Analog Capital Partners reports $92.8M across 493 accounts in assets under management.

### How do I contact Thomas Kluttz?

Through Thomas's website, www.acpfo.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8199461): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.acpfo.com/): specialties, clients served, and fees, checked October 30, 2026

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