Partners and Associates

Partners and Associates

A hybrid team of accountants, advisors, and consultants whose collective experience and diverse backgrounds ignite ideas, reconfigure approaches, and recommend strategies and innovative solutions for our clients.

Martin Thomas

4949 Harrison Ave., Suite 300
Rockford, IL 61125-0407

Tel: 815.484.5651



Areas of Focus

  • ALM process validations
  • Interest rate and liquidity risk management
  • Asset/liability consulting


Financial Institutions


University of Illinois at Urbana-Champaign
  • Bachelor of science degree in banking and finance
DePaul University - Chicago, Illinois
  • Master of business administration degree in corporate finance

Martin J. Thomas

Manager, Asset/Liability Management

With over 42 years of experience in the financial services industry, Marty Thomas brings the depth and breadth of his expertise to financial institution clients.  For most of the past two decades, his focus has been on consulting, specifically regarding interest rate risk and asset/liability management strategies, for banks ranging in size from $60 million to $3 billion.  Marty has significant experience in bank simulation modeling, especially as it relates to understanding a financial institution’s interest rate risk profile.  His current responsibilities include asset/liability management (ALM) process validations, liquidity risk management validations, and ALM consulting.

Professional Memberships and Activities

  • Financial Managers Society (FMS) - Member
  • Past presenter at FMS Forum
  • Presenter at several state banking association industry workshops and webinars on asset/liability and interest rate risk management
  • Former director of church, community, and aviation organizations

Recent Insights


The Best-Laid Plans
Jun 16, 2019