Financial Planning
To sum-up the importance of financial planning, Tom often uses this comparison..."Would you ever dream of getting on an airplane … if there was no flight plan?"
...If you think about it, the parallels between a flight plan and a financial plan are very powerful!
In addition to Comprehensive Financial Planning for individual families, Tom has a proven expertise and experience in Education Planning, and Qualified Retirement Plans for small to medium-sized companies.
Tom’s approach to planning is based entirely on getting to know his clients and then exercising extreme care when personalizing their plan... whether it is an Education Plan, a Qualified Retirement Plan, or a Comprehensive Financial Plan.
In the Financial Planning process, the six key areas of ones financial picture are addressed including:
- Current Financial Position (Cash flow, Debt Analysis)
- Risk Management (Protection from unexpected loss)
- Tax Management (Minimize tax implications)
- Investment Management (Allocation, Diversification, & Selection)
- Retirement Planning (Timing, Funding & Helping make it happen)
- Estate Planning (Passing wealth to your heirs)
Tom holds Securities Licenses in PA, OH, WV, IN, IL, KY, MD, MA, NJ, NC, SC, CO, & VA.