Thomas Gregg

As your financial advisor, my role in business financial planning is to help you strengthen your company's financial foundation, reduce risk, and support long-term growth with clear, strategic guidance.

I start by understanding your business model, revenue streams, expenses, cash flow dynamics, employee structure, and overall goals. From there, I develop a tailored financial plan that addresses key priorities such as cash-flow optimization, tax-efficient strategies, capital planning, business continuity, retirement plan design, and risk management.

I help you evaluate and implement retirement plans — such as 401(k)s, SIMPLE IRAs, SEPs, or defined benefit plans — that support your business goals, attract and retain talent, and remain compliant with regulatory requirements. I also assist with succession planning, key-person insurance, buy-sell funding strategies, and protecting the business from financial vulnerabilities.

Beyond structure, I provide ongoing analysis and oversight, helping you anticipate challenges, seize opportunities, and adjust plans as your business grows or the economic environment shifts.

My goal is to serve as your long-term financial partner — bringing clarity to complex decisions, improving financial efficiency, and helping you build a stronger, more resilient business.

As your financial advisor, my role in financial planning is to bring clarity, structure, and long-term vision to your personal finances — so every decision supports the life you want to build.

I start by getting to know your goals, concerns, family priorities, income, debt, savings, and overall financial picture. From there, I help you develop a comprehensive plan that covers retirement readiness, investment strategy, tax efficiency, cash-flow management, insurance needs, college planning, and long-term wealth strategies.

My job is to simplify complex choices and give you a clear roadmap. I help you understand what steps to take now, what milestones to prepare for next, and how each piece of your financial life fits together. This includes building customized budgets, analyzing savings opportunities, optimizing retirement accounts, and ensuring you're on track for future goals like buying a home, sending kids to college, or transitioning into retirement.

Financial planning is not a one-time event. I monitor your progress, adjust strategies as your life evolves, and help you stay disciplined through market changes and major life transitions. You'll have a trusted partner who knows your plan inside and out — and who's committed to helping you make confident, informed decisions along the way.

In short, my role is to help you organize your finances, maximize opportunities, reduce stress, and give you a personalized roadmap toward long-term financial success.

We manage portfolios with a focus on tactical asset allocation. We believe this provides value to clients by both helping to maximize return in up markets, while minimizing loss in down markets. We follow asset allocation guidance from LPL's CIO office to create portfolios utilizing various ETFs, Mutual Funds, Individual Stocks, and Bonds.

Retirement isn't just a date on a calendar — it's the moment your life's work becomes your life's lifestyle. As skilled financial advisors we you turn that transition into a confident, well-planned future. Through personalized retirement planning, we help you understand where you stand today, clarify what you want tomorrow to look like, and build a strategy that bridges the gap with clarity and purpose.

We analyze your 401(k)s, 403(b)s, IRAs, pensions, Social Security, healthcare needs, taxes, and long-term income requirements to create a plan that's built around you, not a generic template. This includes stress-testing your income strategy, optimizing investment allocations, and identifying potential risks — so you can retire with confidence instead of uncertainty.

As independent advisors, we act solely in your best interest, providing objective guidance, transparent recommendations, and ongoing oversight as your life, goals, and markets evolve. Retirement doesn't end at the moment you stop working — it requires active monitoring, smart adjustments, and a trusted partner to help keep everything on track.

With the right advisor, retirement planning becomes more than numbers. It becomes a roadmap to financial freedom, peace of mind, and the lifestyle you've earned.

Rolling over a 401(k) is more than a paperwork exercise — it's a key financial decision with long-term impact. A financial advisor helps you navigate this transition with clarity, confidence, and strategy.

We begin by assessing your full financial picture to determine whether a rollover is in your best interest. This includes comparing your old plan, new employer plan, and IRA options for fees, investment choices, flexibility, and long-term suitability. Our role is to make sure you choose the path that aligns with your goals — not just the default option.

Once the strategy is clear, we handle the process from start to finish: coordinating with providers, avoiding unnecessary taxes or penalties, ensuring a direct rollover, and making sure your assets land exactly where they need to be. You don't have to deal with complicated forms, long hold times, or guesswork.

After the rollover, we help you build a personalized investment allocation that matches your risk level, timeline, and retirement income goals. Most importantly, we continue to monitor and adjust your strategy as markets change and life evolves.

A financial advisor transforms your 401(k) rollover from a one-time transaction into a long-term advantage — helping you simplify accounts, optimize investments, and keep your retirement on the right path.

As your financial advisor, my role in insurance planning is to help protect what you've worked hard to build. Insurance isn't just about policies — it's about managing risk so your financial plan stays intact, even when life takes an unexpected turn.

I start by analyzing your overall financial situation, goals, and potential vulnerabilities. This includes evaluating income protection needs, family responsibilities, liabilities, business interests, and long-term priorities. From there, I help determine the right types and amounts of coverage — whether life, disability, long-term care, or other protective strategies.

My focus is on making sure your insurance aligns with your broader financial plan. I compare options, explain the differences in cost and benefits, and provide unbiased guidance on what's necessary versus what's optional. This helps ensure you're protected without being over-insured or paying for coverage you don't need.

As life changes — marriage, children, career shifts, new assets — I help you adjust your coverage to keep pace. I also coordinate insurance planning with tax considerations, estate planning, and retirement strategies so everything works together efficiently.

Ultimately, my role is to make insurance planning simple, strategic, and aligned with your long-term goals — giving you and your family confidence that your financial future is protected, no matter what.

As your financial advisor, my role in the education and use of annuities is to help you determine whether these products fit your financial goals — and if so, to guide you in choosing the right type with clarity and confidence. Annuities can offer powerful benefits such as guaranteed income, tax-deferred growth, market downside protection, or lifetime payout options — but they are not one-size-fits-all. I begin by helping you understand how annuities work, the different types available (fixed, indexed, variable, immediate, and others), and the pros and cons of each. My job is to educate you so you can make an informed decisionnot to push a product. If an annuity is appropriate for your situation, I help you compare options, evaluate fees and features, and select a solution that aligns with your retirement income needs, risk tolerance, and long-term objectives. This includes analyzing riders, guarantees, liquidity restrictions, and how the annuity fits within your broader financial plan. Throughout the process, I ensure transparency, explain all details clearly, and coordinate the annuity decision with your investment strategy, tax planning, and retirement goals. Ultimately, my role is to make the annuity process simple, transparent, and strategic — helping you choose a product only if it truly enhances your financial security and supports the retirement you envision.

Our team focuses on basic tax advice and education as it pertains to investments, and investment accounts. For actual tax services we partner with tax professionals to assist our clients.

As your financial advisor, my role in investment advice and management is to help you build a thoughtful, disciplined strategy that supports your long-term goals while managing risk effectively.

I begin by understanding your full financial picture — your goals, time horizon, risk tolerance, income needs, tax situation, and family priorities. With this insight, I design a personalized investment strategy that aligns with what you're trying to achieve, not just what the markets are doing.

I help you select diversified investments, balance growth and protection, and build a portfolio that fits your comfort level and long-term plan. My role is to simplify complex choices, explain the "why" behind each recommendation, and ensure your investments work together cohesively rather than in isolation.

Investment management is ongoing — not a one-time setup. I continually monitor your portfolio, rebalance when needed, adjust strategies as markets shift, and make sure your investments remain aligned with your evolving goals. Whether markets are calm or volatile, you have a partner ensuring your plan stays on track.

I also coordinate investment decisions with tax planning, retirement strategies, and broader financial goals to maximize efficiency and long-term outcomes.

In short: I provide disciplined guidance, proactive management, and clear communication — helping you grow and protect your wealth with confidence, clarity, and a long-term plan built around you.

Effective investing isn't about predicting markets — it's about managing risk with intention. As financial advisors, our role is to help you understand, balance, and control the risks that could impact your financial future.

We start by evaluating your personal risk tolerance, time horizon, and financial goals to create an investment strategy that fits you, not the market's mood. This includes diversifying your portfolio across asset classes, industries, and investment styles to reduce exposure to any single point of failure.

We analyze market conditions, economic trends, and portfolio performance to ensure your investment mix stays aligned with your objectives. When risk levels shift — due to market volatility, life changes, or evolving timelines — we adjust your strategy proactively, aiming to protect long-term growth while minimizing unnecessary downside.

Beyond investments, we help you manage broader financial risks: income replacement, healthcare costs, inflation, longevity, and unexpected life events. This may include evaluating insurance, building emergency reserves, and coordinating tax-efficient strategies that help stabilize your long-term plan.

Throughout the process, we provide clarity and education so you always understand where your risk exposure stands and why your portfolio is built the way it is.

In short, we turn risk management into a deliberate, ongoing discipline — helping you stay protected, stay informed, and stay on track toward your goals.

Effective investing isn't about predicting markets — it's about managing risk with intention. As financial advisors, our role is to help you understand, balance, and control the risks that could impact your financial future.

We start by evaluating your personal risk tolerance, time horizon, and financial goals to create an investment strategy that fits you, not the market's mood. This includes diversifying your portfolio across asset classes, industries, and investment styles to reduce exposure to any single point of failure.

We analyze market conditions, economic trends, and portfolio performance to ensure your investment mix stays aligned with your objectives. When risk levels shift — due to market volatility, life changes, or evolving timelines — we adjust your strategy proactively, aiming to protect long-term growth while minimizing unnecessary downside.

Beyond investments, we help you manage broader financial risks: income replacement, healthcare costs, inflation, longevity, and unexpected life events. This may include evaluating insurance, building emergency reserves, and coordinating tax-efficient strategies that help stabilize your long-term plan.

Throughout the process, we provide clarity and education so you always understand where your risk exposure stands and why your portfolio is built the way it is.

In short, we turn risk management into a deliberate, ongoing discipline — helping you stay protected, stay informed, and stay on track toward your goals.