Thornton Financial LLC

08/01/2026

FREE - Financial Coaching

Hey Pocket Watchers!

Many of you have asked for more hands-on financial help. Now we have FINANCIAL COACHING (Powered by Monarch Money)

This service is designed for clients who want an active, ongoing financial planning partnership to stay on track with their long-term goals. Unlike a one-time consultation, our Financial Coaching provides a continuous "command center" for your money, combining the industry-leading Monarch Money platform with the expert oversight of a Certified Financial Planner™.

What the Service Provides:

Monarch Money "Pro" Account: You receive a full subscription to the Monarch Money platform, which provides real-time tracking of your net worth, recurring subscriptions, and investments.

Ongoing Professional Oversight: Jayson Thornton, CFP® monitors your data throughout the quarter to identify "financial leakage," lifestyle creep, or missed tax-saving opportunities as they happen.

Quarterly Strategy Reviews: Every 90 days, you will have a formal review meeting with JT to analyze your "Money Scorecard" and adjust your action plan for the upcoming quarter.

Tax-Centric Coaching: As an Enrolled Agent (EA), Jayson ensures your daily spending and business structures are optimized to "beat Uncle Sam" legally and ethically.

Click here for an update from THORNTON Financial LLC!

05/22/2026

IRS PENALTY REFUND
A landmark federal court decision (Kwong v. United States) that could put money back in your pocket.

The court ruled that the IRS improperly assessed late-filing penalties, late-payment penalties, and underpayment interest during the COVID-19 disaster window. If you paid these fees, you may be legally entitled to a refund—but you must act immediately to protect your rights.

The Situation at a Glance
The Legal Ruling
Kwong v. United States ruled the IRS lacked statutory authority under IRC § 7508A(d) to charge specific penalties/interest during the pandemic.

The Eligible Window
January 20, 2020, through July 10, 2023 (Accruals on tax years 2019–2022).

The Deadline
July 10, 2026. You must file a formal Protective Claim by this date or lose your refund rights forever.

The Catch
The IRS is aggressively appealing. We must file IRS Form 843 now to legally freeze the 3-year statute of limitations while the appeal plays out.

Refund Audit Process and Fee

THORNTON Financial LLC end-to-end compliance review to determine your exact exposure and handle the IRS filings.

Phase 1: Audit & Initial Filing ($450 Fee)
Full IRS account transcript pull for tax years 2019–2022.
Line-by-line auditing to calculate eligible penalties and interest.
Custom drafting of Form 843 embedded with strict citations to Kwong and P.L. 119-64 to shield against automated IRS rejections.

Phase 2: Certified Submission
Secure dispatch via USPS Certified Mail with Return Receipt Requested.
Establishes verifiable, airtight proof of timely filing before the July statutory deadline.

Important Disclosures
No Refund Guarantees
Because the Kwong case is currently moving through the federal appellate process, the IRS is expected to temporarily hold or reject these claims pending the final judicial outcome. Filing a protective claim freezes the clock; it does not guarantee an immediate payout.

04/27/2026

Financial Coaching

Ongoing financial planning partnership (Monthly Subscription)

Hey Pocket Watchers!

Many of you have asked for more hands-on financial help. Now we have FINANCIAL COACHING (Powered by Monarch Money)

This service is designed for clients who want an active, ongoing financial planning partnership to stay on track with their long-term goals. Unlike a one-time consultation, our Financial Coaching provides a continuous "command center" for your money, combining the industry-leading Monarch Money platform with the expert oversight of a Certified Financial Planner™.

What the Service Provides:

Monarch Money "Pro" Account: You receive a full subscription to the Monarch Money platform, which provides real-time tracking of your net worth, recurring subscriptions, and investments.

Ongoing Professional Oversight: Jayson Thornton, CFP® monitors your data throughout the quarter to identify "financial leakage," lifestyle creep, or missed tax-saving opportunities as they happen.

Quarterly Strategy Reviews: Every 90 days, you will have a formal review meeting with JT to analyze your "Money Scorecard" and adjust your action plan for the upcoming quarter.

Tax-Centric Coaching: As an Enrolled Agent (EA), Jayson ensures your daily spending and business structures are optimized to "beat Uncle Sam" legally and ethically.

The FREE Pocket Watcher App will stay online and active. The Paid Pocket Watcher - Gold subscription will be ending.

Click here for an update from THORNTON Financial LLC!

03/02/2026

Need Tax or Financial Help⁉️ FREE CONSULTATION ‼️visit https://www.thornton-financial.com/free-consult OR call ☎️ 314-776-9076

Jayson M. Thornton, CFP® is an award winning Financial Advisor, specializing in Tax & Wealth Planning.

THORNTON Financial LLC serves individuals and small businesses with TAX or FINANCIAL Problems.

BOARD CERTIFIED FINANCIAL ADVISOR ‼️

02/20/2026

Link 🔗 in Bio - Ask JT - Bankruptcy Breakdown

Ask JT - https://forms.gle/i3KCQGB3FMUszCT66

Fill out the form and learn how (or if) a Bankruptcy can help you!

Jayson M. Thornton, CFP® is an award winning Financial Advisor, specializing in Tax & Wealth Planning. He is a CERTIFIED FINANCIAL PLANNER® professional and Enrolled Agent (EA).

This report is for financial coaching and educational purposes only and is NOT legal advice; We strongly recommend contacting a local bankruptcy attorney for legal representation. Your information will be kept private.

01/14/2026

Need Financial Help⁉️ FREE CONSULTATION ‼️visit https://www.thornton-financial.com/free-consult OR call ☎️ 314-776-9076

Jayson M. Thornton, CFP® is an award winning Financial Advisor, specializing in Tax & Wealth Planning.

THORNTON Financial LLC serves individuals and small businesses with TAX or FINANCIAL Problems.

BOARD CERTIFIED FINANCIAL ADVISOR ‼️

01/09/2026

🤘🏿 🔵 112 Years of Brother, Scholarship, and Service!