Tom has been a dedicated financial advisor for over 30 years. He began his career in 1995 at Legg Mason after earning his MBA from Loyola College in Maryland. In 2004, Tom achieved his CERTIFIED FINANCIAL PLANNER™ designation and holds additional certifications as a Certified Exit Planning Advisor (CEPA®) and Certified in Long-Term Care (CLTC®). He specializes in helping small business owners and affluent investors maximize their retirement savings and potentially retire earlier than planned through the use of specialized retirement strategies. Tom also assists clients with investment management, life insurance, long-term care and disability insurance, college planning, and more. A lifelong Maryland resident, Tom lives in Severna Park with his wife, Marie, and their sons, Eddie and Graham. When he's not working, Tom enjoys playing golf and spending quality time with his family.
No needs are more important than your own. We take pride in aligning our goals with yours, ensuring that we don't just work for you, but with you. We work with you to understand who you are as an individual, as an investor, and as a business owner.
Our mission is to help you define your financial objectives and collaboratively develop a plan tailored to your unique needs and preferences. We are committed to acting in your best interest and are proud to offer comprehensive financial planning resources, including access to education, advice, planning, and consultation, all designed to support your business's growth and success.
General Information |
| Firm Start Year: | 1925 | |
| automated call: | Yes |
| Insurance License#: | 61277 |
| States Licensed in: | CA, DE, FL, KY, MA, MD, MN, NC, NH, NJ, NY, PA, SC, TX, VA, WVA |
| Number of Years with Current Firm: | 2 |
| Work Experience: |
Tom began his career in 1995 at Legg Mason in Hunt Valley, Maryland. After nine years of successfully building his own business, he partnered with another advisor for five years to expand his client base and enhance service offerings. In 2005, Tom earned his CERTIFIED FINANCIAL ADVISOR™ designation. In 2012, Tom joined Wells Fargo Advisors in Annapolis, Maryland, and later moved to Janney Montgomery Scott in 2017. By 2023, Tom transitioned to LPL Financial to establish his own business, EPE Wealth Advisors in Crownsville, Maryland. Tom specializes in advising individual advisors and small business owners and is currently accepting new clients. His expertise includes financial planning, retirement income planning, investment management (including workplace retirement plans), life insurance, long-term care, disability insurance, college planning, and annuities. As a fiduciary, Tom manages client assets using a fee-based advisory platform. |
| Work with the following types of clients: | Non-Profit Organizations, Businesses, Individual Investors |
| Advisory Services Provided: | Financial Advice & Consulting, Investment Advice & Management, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Risk Management |
Services |
| Investment Types: | Mutual Funds, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments |
| Can meet clients in the following ways: | Your Office, Email, Video Conference, Your Home, Our Office, Phone |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability |
Firm Information |
| Advisor's Number of Clients: | 135 |
| Advisor's Number of Managed Clients: | 135 |
| Advisor's Number of Planning Clients: | 135 |
| Assets Managed by Advisor: | $105,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $500,000 |
| Compensation Methods: | Based on Assets, Commissions |
| Fee % Based on Assets: | .75 - 1.25 |
| Additional Details on Charges: | My Advisory Fee Schedule based on Assets Under Management: Under $500,000 - 1.50% $500,000 - $1 million - 1.25% $1 million to $5 million - 1.00% $5 million to $10 million - 0.75% Over $10 million - Negotiable |
| Minimum Fee Charged for Managed Accounts: | $3,750 |
Board Positions |
| Organization : | Partners in Care, Pasadena, Maryland |
| Position : | Board Member |
| Duration : | 3/2024-Present |
Education |
| Bachelor of Science - Biology | Washington and Lee University - Lexington, Virginia 9/1988-6/1992 |
| Master of Business Administration - Finance | Loyola College in Maryland - Baltimore, Md 1/1993-12/1994 |
Financial Services |
| Financial Planning for Businesses
I am a Certified Exit Planning Advisor (CEPA®) and can help business owners prepare for the sale of their business. A comprehensive financial plan can help a business owner understand what they will need to retire. I can introduce clients to other advisors who can assist with the sale of your business. |
| Financial Planning for Individuals
I create a customized retirement plan for all clients who want a plan. There is no additional charge for this plan. |
| Portfolio Management
I manage client assets using an fee-based advisory platform. This gives me access to all managers and investment vehicles. My clients pay no additional fees or charges. I manage the asset allocation and invest your funds according to your investment goals and risk tolerance. |
| Retirement Planning
I create retirement income plans for clients. This service is included in my fee-based portfolio management - there is no additional charge for this plan. I update the plan for every annual review meeting. I help clients manage their workplace retirement plans. |
| 401K Rollovers
I accept 401(k) rollovers and manage them for my clients. |
| Insurance Planning
I can complete insurance policy reviews to ensure your existing coverage is sufficient and competitive. I am licensed in life and health insurance so I advise clients with their life insurance, long-term care and disability needs. |
| Annuities
I can recommend fixed and variable annuities if needed in your financial plan. Indexed annuities are one strategy I use to risk manage your portfolio. |
| Education Funding and Planning
I advise clients on how to achieve college savings goals. |
| Risk Management
I use different investment strategies such as indexed annuities and private equity managers to help reduce the portfolio risk for my clients. |
| Money Management
I manage all investment account types including Roth and Traditional IRAs, taxable brokerage, 401(k) plans, college savings accounts, custodial accounts and trusts. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. LPL ADV 2A https://www.lpl.com/content/dam/edam/format/disclosure/a58.pdf Additional Detailed Disclosures https://www.lpl.com/content/dam/edam/format/disclosure/wiseradvisor-lpl-detailed-disclosures.pdf |
Registered Representative:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| California, Delaware, Florida, Maryland, North Carolina, Pennsylvania, Virginia, Washington, DC, West Virginia |
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