Meet Jonathan
Financial Planning Should Feel Personal—Because It Is
Retirement planning is too important to be rushed or delegated.
I intentionally work with a limited number of clients so every plan receives the depth and attention it deserves - allowing me to stay proactive, responsive, and deeply familiar with every moving piece of your plan.
Retirement is one of the most significant transitions you’ll ever navigate My role is to help you approach it with clarity, discipline, and confidence.
If you’re within 5–10 years of retirement and want to approach it intentionally, let’s talk.
After more than a decade in wealth management, from a large bank to respected independent RIAs, I saw the same pattern repeatedly: people reached their late 50s with substantial savings, but without a clear strategy for transitioning into retirement tax-efficiently and confidently.
Over the past 12+ years, I’ve helped clients move from accumulation to distribution with confidence, often uncovering tax opportunities they didn’t realize they had.
Founder & Financial Planner, CFP®
Hi, I’m Jonathan Thomas, founder of JQL Wealth and a CERTIFIED FINANCIAL PLANNER™ professional based in Pittsford, NY. I started JQL Wealth to focus on the most consequential years of a financial life - the transition into retirement - where tax decisions, income planning, and timing matter more than ever.
My Family
I met my wife, Stephanie, in college at the University of Pittsburgh. In 2017, we moved to Pittsford NY, her hometown, and built our life here.
Stephanie owns and runs Chicke, a baby and kids boutique she built from the ground up. Watching her grow a business while raising three young kids has been inspiring to witness firsthand.
We have three energetic kids— Jack (7), Quinn (5), and Laney (1). The boys are all in on the Buffalo Bills, football, and anything competitive. Laney is determined to keep up with her older brothers. Family life is busy, active, and loud. I wouldn’t have it any other way.
Outside of work, you’ll usually find me playing golf or platform tennis, reading, or doing something outdoors with my family.
The same commitment and consistency I bring to my family is how I show up for my clients.
JQL Wealth was built with family in mind—mine and yours.
In The News
ThinkAdvisor, October 2, 2026
“Most Clients Don’t Feel Comfortable Spending in Retirement: Study”
A look at research on retirees’ reluctance to spend their savings, with comments from advisors, including Jonathan, on helping clients make that shift.
Rochester Business Journal, September 9, 2026
“Rochester small businesses adapt to rising costs with strategic planning”
Local advisors discuss how small businesses are handling inflation, tariffs, and rising costs. Jonathan spoke about pricing to protect profit margins and building a strong team of advisors.
JQL Wealth is not affiliated with these publications and did not pay for this coverage. Articles reflect the views of their authors and are provided for informational purposes