I am a CERTIFIED FINANCIAL PLANNER™ who focuses on working with young professionals and new families beginning their journey toward reaching their financial goals. My mission is to EDUCATE and EMPOWER these individuals to start on this path as early as possible. The sooner action is taken to define goals, the greater the chance for success.If this resonates with you I welcome the opportunity to meet with you. Today things are more complex, more expensive and there are more tools out there to help.Most people who are just starting out think they have no need for a financial planner for the following:1. I don’t have enough money2. I am too young3. Planners are too expensive so I’ll figure it out myselfI strive to stop people from limiting their potential by thinking this way. The first step is to take action as early as possible in your career and I am here to help you do so. I believe if you build the right foundation early it will benefit you greatly in the future.I am a CERTIFIED FINANCIAL PLANNER™, which means that I look at your complete financial puzzle and work to fit all the pieces together to create a clearer overall picture. I am held to a higher educational and ethical standard to maintain my designation. Along with my colleagues, we carry a vast array of licenses and degrees to help provide perspective in any situation you may face.Please contact me at (440) 268-8550 or tdragar@fhtadvisors.comSpecialties: Employee benefits, 401k portfolio allocation, 401k rollovers, student loan consolidation, budgeting, cash flow analysis, life insurance, savings plans, IRAs, Roth IRAs, tax planning, selecting investment portfolios, risk analysisSecurities and advisory services offered through Cetera Advisors LLC, Member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Freeman Heyne Toma LLC and Cetera Advisors LLC are non affiliated companies.