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We serve successful people with complex needs.

We serve growing families connected to the fields of science, technology, research, and engineering, and pre-retirees focused on making their money last during distribution years while navigating new risks, taxes, inflation, long-term care, longevity, and legacy.

Happy Asian family holidays during joyful father, mother, son and daughter walking together along summer sunset sea. Happy family travel on beach in holiday, Summer and vacation.

Young Families

Young families in their 30s and 40s are building their professional and financial success. They often are maxing out all available vehicles, but are still looking for ways to save. Most importantly they want to make sure they are on the right path to address all their present and future financial concerns as it pertains to their family.

We help young families with a focus on tax mitigation, life insurance, education planning, safer dollar accumulation, and retirement projections.

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Senior couple on vacation

Nearing or Considering Retirement

People who have spent their entire lives working and planning to put themselves in the best position for retirement need to be prepared for the next chapter in their lives. Their focus is making their money last during their distribution years, all while trying to navigate new risks, taxes, inflation, markets, long-term care, longevity, and legacy.

We help ensure their financial plan is in place and that it covers the bases. We place a particular emphasis on distribution planning and the six risks faced in retirement.

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"What financial advisor calls you during a pandemic to tell you not to worry? Tom Farmer.

Tom has also helped many of my family members and we love that Tom is with all of us for the long haul!!

From day one, Tom has made me feel so comfortable reviewing my financial situation and helping me prepare for my future retirement.

What financial advisor calls you back to answer your question while he is driving cross country with his two small children? Tom Farmer

Terri H, client of Northwestern Mutual


"Thomas helped my wife and I feel more secure about our financial future. Tom is a true professional. He is very knowledgeable about various financial strategies and helps us maintain a comprehensive plan for our individual situation. Tom is there to guide us with options as my wife and I identify our financial goals, short term, long term and in between. Tom is always available to meet with us. He always takes the time to fully explain our options, the various products which may suit us, as well as the strengths and risks associated with each path. We never feel pressure to move forward and feel very confident in our decisions. Financial planning is not a onetime task, it is an ever-changing balance between what is happening in the economy and each family's dynamic goals. It is essential to have a financial partner that will work with you to meet your individual goals while understanding an ever-changing financial landscape. Tom is that partner for us. I recommend Tom without reservation to anyone wishing to feel more prepared about their financial future."

Greg T., Electric Utility Consultant, Northwestern Mutual Client


"Initially, my wife and I reluctantly entertained the thought of consulting a financial advisor, but this attitude has been entirely reversed while working with Tom. He has fully understood our motivations, goals, and risk tolerance while being patient with our slow decision making. This was greatly appreciated not just by us but our two daughters as well who now consult Tom as they plan their financial futures. So this is really a multi-generational endorsement!"

Bala S. Professor at a public research university, client of Tom Farmer since 2014.

The testimonials presented may not be representative of the experience of all clients and are not a guarantee of future performance or success.