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Thomas Gilboy

Esi Financial Advisors
16 Years of Experience
Chicago, IL
1 DisclosureBrokerSells Insurance
View SEC Summary
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Thomas Gilboy is a registered investment advisor at Esi Financial Advisors, based in Chicago, IL, with 16 years of industry experience. Thomas is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Annuities, Charitable Giving, Education Planning, Estate Planning, and 6 more. Their firm serves 12,379 clients with $2.8B in assets under management.

Esi Financial Advisors
Compensation
Commission-BasedFee-Only (% of Portfolio)Fixed/Hourly
Firm Size
536 advisors
Number of Clients
12,379 clients
Average Client Portfolio
$224K average
Assets Under Management
$2.8B

Fee Structure

Minimum Investment:$10K
Planning is included in investment management (also available separately)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $1.0M1.00%
$1.0M - $2.5M0.75%
$2.5M - $5.0M0.60%
$5.0M - $10.0M0.50%
$10M+0.35%

Rates reflect the primary schedule used in programs like American Funds and Schwab Retirement Advisor Services. Other programs have different maximum fees (AssetMark up to 1.50%, Saratoga up to 2.00%, SEI up to 1.75% plus 0.05% administrative fee). Actual fees are negotiable.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

1 N. Franklin St, Ste 3450, Chicago, IL, 60606

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History

Regulatory History (1)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
September 2026
Pending
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Thomas works as an insurance agent and sales manager for National Life and as an insurance agent for Lakeshore Financial Group, selling life insurance, annuities, disability, and health insurance. These activities take nearly full-time hours. Thomas is also a board member for Gateway for Cancer Research.

Employment History
Current Registrations
Esi Financial Advisors
March 2024 - Present · 2 yrs 7 mos
Equity Services, INC.Broker
January 2017 - Present · 9 yrs 9 mos
Previous Registrations
Msi Financial Services, INC.Broker
January 2015 - December 2016 · 1 yr 11 mos
Oneamerica Securities, INC.Broker
April 2013 - January 2015 · 1 yr 9 mos
MML Investors Services, LLCBroker
December 2010 - April 2013 · 2 yrs 4 mos
Northwestern Mutual Investment Services, LLCBroker
August 2010 - November 2010 · 3 mos
Northwestern Mutual Investment Services, LLCBroker
May 2010 - June 2010 · 1 mo
State Registrations20 states
AZCACODCFLILINKSMDMIMONCNYOHOKSCTNTXWAWI
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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