Tom is a Certified Financial Planner®, who develops and manages client relationships.

We assist affluent individuals and families in their often complicated estate planning needs by helping them economically acquire, efficiently implement and properly manage their life insurance. These needs include wealth transfer to heirs, business succession, and charitable giving. We also work with private business owners with their buy/sell and key man life insurance. Too often, business owners solely focus on building their business and neglect proper risk management and exit… Show more We assist affluent individuals and families in their often complicated estate planning needs by helping them economically acquire, efficiently implement and properly manage their life insurance. These needs include wealth transfer to heirs, business succession, and charitable giving. We also work with private business owners with their buy/sell and key man life insurance. Too often, business owners solely focus on building their business and neglect proper risk management and exit planning for their enterprise. We solve that problem by properly mitigating those risks.It is our position that one of the most important uses of wealth is to insure its tax-efficient transfer to the recipients the client decides. In our society there are only three choices as to who will receive the end result of your hard work: Family, Charities or the Government. Once the client lets HCLSM know their choice(s), we help them realize their goal. Show less

I was a lobbyist for one of the largest hospital systems on the east coast. I handled the North Carolina lobbying effort.