Three Areas. One Dedicated Team.

No. Premier Financial Management works with clients at all stages of their financial journey — whether you’re just starting to save or approaching retirement with a substantial portfolio. What matters most is that you’re ready to take your financial future seriously. If you are, Sam is ready to help.

We are based in Saratoga Springs, NY and currently licensed to serve clients in the following states: AR, AZ, CA, CO, FL, GA, IN, KY, MA, MI, MS, NC, NH, NJ, NY, PA, SC, VA, VT, and WI. If you’re not sure whether we’re licensed in your state, reach out and we’ll let you know.

If you’re looking for a financial advisor in Saratoga Springs, Premier Financial Management is right here in the community. Sam Thomas has been serving individuals and families in the Capital Region and beyond since 2012. She offers a personal, hands-on approach that’s hard to find at larger firms. We’d love to connect — your first consultation is always free.

Net Unrealized Appreciation, or NUA, is a tax strategy that applies to highly appreciated company stock held inside an employer-sponsored retirement plan like a 401(k).

Rather than rolling all of your retirement assets into an IRA and paying ordinary income tax on everything, NUA allows the appreciation on your company stock to be taxed at the lower long-term capital gains rate instead.

It’s a niche strategy that requires precise execution — but for the right client, it can result in significant tax savings. Sam specializes in NUA planning and can help you determine whether you qualify. Read more on our blog or schedule a call to discuss your specific situation.

An Investment Advisor Representative (IAR) is a licensed professional who provides investment advice and manages client portfolios.

A Financial Planner takes a broader view — helping clients map out a comprehensive financial strategy that may include retirement planning, tax strategies, estate planning, and more.

Samantha Thomas holds the Investment Advisor Representative designation and provides both investment guidance and comprehensive financial planning for her clients.

Absolutely. While we’re based in Saratoga Springs, NY, Sam serves clients across 14 states — many of whom she works with entirely remotely via phone and video. She also travels whenever she can to meet clients in person. Distance is never a barrier to getting the financial guidance you need.

Retirement readiness isn’t just about hitting a number — it’s about making sure your income, investments, expenses, and healthcare needs all line up for the long haul. Some key questions to ask:

• Will your retirement income cover your current spending?
• Do you have a plan for healthcare costs?
• Have you thought about how taxes will affect your withdrawals?

Sam works with clients to answer exactly these questions and build a retirement plan that gives you confidence — not just a target date.

Look for someone who takes the time to understand your individual situation — not someone who puts you in a one-size-fits-all portfolio. Ask whether they’re a fiduciary (meaning they’re required to act in your best interest), what their areas of specialization are, and how accessible they are when you have questions. At Premier Financial Management, Sam is a dedicated, accessible advisor who specializes in retirement planning and NUA strategy — and she’s genuinely invested in the financial wellbeing of every client she works with.