VETTED

Tom Hagigh

Tel: 410-923-8686 1321 Generals Highway Suite 300 Crownsville, MD 21032

About Tom Hagigh

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^® certification 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.

About EPE Wealth Advisors

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.

See Disclosures

General Information

CRD#:

2583423

Firm CRD#:

6413

Insurance License#:

61277

States Licensed in:

CA, DE, FL, KY, MA, MD, MN, NC, NH, NJ, NY, PA, SC, TX, VA, WVA

States Willing to do Business in:

California, Delaware, Florida, Maryland, North Carolina, Pennsylvania, Virginia, Washington, DC, West Virginia

Years of Experience in Financial Services:

Number of Years with Current Firm:

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® certification.

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

Compliance

Registered Investment Advisor:

Registered Representative:

Yes

Investment Advisor Representative:

Acknowledged fiduciary:

Compliance Disclosures in Last 5 years:

I have a clean record

Criminal Disclosures in Last 5 years:

I have a clean record

Qualifications & Memberships

Securities Licenses:

Series 7, Series 63, Series 65

Insurance and Annuity Licenses:

Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability

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

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

Firm Information

Advisor's Number of Clients:

135

Advisor's Number of Managed Clients:

135

Advisor's Number of Planning Clients:

135

Preferred meeting methods

I provide a free initial consultation:

Yes

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 manage risk in your portfolio.

Education Funding and Planning

I advise clients on how to pursue college savings goals.

Risk Management

I use different investment strategies 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

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

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

30 Years of Experience

CRD# 2583423 Firm CRD# 6413Insurance License# 61277Series 7, 63, 65

Compliance

Registered RepresentativeYes

Compliance Disclosures in Last 5 yearsI have a clean record

Criminal Disclosures in Last 5 yearsI have a clean record

Communities Served

CaliforniaDelawareFloridaMarylandNorth CarolinaPennsylvaniaVirginiaWashingtonDCWest Virginia

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