Our Services

Financial Planning

Achieving financial comfort, planning for a secure retirement, mitigating taxes, taking care of family, making sure children (or grandchildren) get an education, building a legacy . . . for most Americans, these are extremely important issues. But many of us feel unprepared and ill-equipped to deal with all of them in a coordinated, knowledgeable way. Many investors are frustrated, worried, and uncertain where to turn. They have no idea how to get from where they are today to where they want to be in the future. Working with us may be the answer.  We provide personalized financial solutions that take into account all aspects of your financial life and offer guidance, clarity of thought, and expertise to help you gain confidence in a more secure financial future. 

Structured Investing in an Unstructured World. 

For most of us, money is bound up with powerful emotions such as security, confidence, and even, sometimes, fear. But the emotions of investing can cause you to lose focus on important areas of your financial life, most of which have absolutely nothing to do with the stock market. The way our brains are hardwired can cause us to make emotional decisions about our money at precisely the wrong moments. That is why the average investor usually under performs the major indices. Our aim is to help you become a successful investor by focusing on the five steps to an effective portfolio, and managing the three primary financial risks. . 

Insurance

Financial success not only involves growing your assets; it involves protecting your assets from key financial risks such as the risk of dying too soon or from the rising cost of health care.  Insurance is often the most cost-effective way to leverage an asset to pay for the cost of long-term care, for example. Tom designs long-term care strategies to reduce the risk that your hard-earned money will be depleted from a long-term care event, or from an unexpected death of your spouse.