Michael D. Thomas Agency

Tax Free Retirement Specialist.

Our passion is a bonus for you as we continually seek ways to save you from paying huge sums of your hard earned money on your current tax deferred retirement plan.  Educating yourself now, before you are required to write those huge checks to the IRS, is a great idea and will save you from paying great sums of taxes.

Mike and his team are here to help you understand that traditional retirement plans are, in actuality, a retirement plan for our government. You save now with annuities, IRA, 401K and defer your taxes now BUT you have no idea what the tax rate will be when you withdraw your money during your retirement.  OUCH… “Do not get burned!” should be the warning label on Tax Deferred investments.  There is a better way! WISEN UP.

With offices throughout the USA, MDT Agency advises those with above average incomes on how to retire tax free.

Michael D. Thomas

Tax Free Retirement Specialist

Michael has over 45 years in the financial services industry. Michael is licensed and maintains offices across the United States. He specializes in Tax Free Retirement income for those with above average income who desire zero losses and succession benefits. Michael has a passion for free enterprise and helping find the perfect solution for every opportunity.

Michael takes the time to meet with you to discuss your specific desires and needs for retirement.  He is like an old doctor making house calls.  Coming to you and spending time understanding your goals he is able to create financial solutions that afford you the financial freedom you deserve.

Phone: (989) 714-5606
Email: Mike@mdtagency.com

Dawn Thomas


Dawn has over 40 years experience in manufacturing leadership. This experience brings her the awareness of the need for Tax Free Retirement planning for manufacturing executives and career professionals.  Dawn is a licensed Life Agent and supports the Michael D. Thomas Agency with research and recommendations for manufacturing professionals. Dawn enjoys volunteering on several executive boards in the area, she golfs, gardens, reads, and enjoys her motorcycle.

Randall H Gremel

Tax Free Retirement Specialist

Randall has been helping people with their life insurance and financial needs for over 45 years.  Throughout his career, Randall’s approach has always been to personally spend time “listening” to his clients, so that he may have a better understanding of their specific situation. This allows for him to create a plan which directly focuses on helping them to achieve their individual goals. For his leisure time, Randall’s activities include golfing, bowling and fishing.

Phone:  (615) 427-8148
Email:  rhgagency@gmail.com

James Lathrop, M.D., F.A.C.S

Director of Marketing &

Tax Free Retirement Specialist

Jim has practiced clinical medicine for over 30 years, serving as a clinical professor in surgery and actively teaching.   When Jim elected to retire from medicine, he sought a career which would give him the same opportunity to help people.  Jim specializes in Retirement Investing.  As a retired physician, he realizes the importance of capital preservation and wealth accumulation with tax free growth and distribution of those  hard earned investments.  Jim resides in Ardmore, TN (State Income Tax Free) and is fully licensed in Tennessee, Alabama and Michigan.

Jim brings the experience of real life investing and experience so common to his colleagues and endeavors to share his insights and experiences to improve his client’s financial health.

Phone: (989) 798-5901
Email: jetdocjim007@yahoo.com