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Tom teaches his clients how to save money, grow money and then legacy it to the next generation

11/02/2026

💭 What does financial freedom actually look like to you?
For some people, it's retiring comfortably. For others, it's traveling more, spending time with family, growing a business, or simply not worrying about every unexpected expense.
Here's something I've learned over the years: Financial success isn't about having the biggest bank account. It's about creating a financial foundation that supports the life YOU want to live.
And that looks different for everyone.
Whether you're just starting out, raising a family, running a business, or thinking about retirement, there's value in understanding your options and making informed decisions.
You don't have to figure it all out overnight. But you do have to start somewhere.
📩 Curious about ways to make your money work smarter for your future? Send me a DM. I'd love to have a conversation about your goals and what options might make sense for you.

10/31/2026

If your future self could call you today, what do you think they'd say?
Hopefully something nice. 😂
But they might also have a few questions about all those things you've been saying you'll get around to “someday.”
Saving.
Planning.
Getting your financial information organized.
Reviewing what you already have.
Actually thinking about what you want the next 10, 20 or 30 years to look like.
Here's the good news:
You don't have to figure it all out today.
Financial progress doesn't have to start with some huge decision.
Sometimes it's finally asking the question you've been putting off.
Sometimes it's learning about an option you didn't know existed.
Sometimes it's looking at what you already have and deciding whether it still makes sense.
And sometimes it's simply saying:
“Okay. It's time for me to start paying attention to this.”
Your future isn't built in one day.
It's built through the decisions you make along the way.
So before we head into another month, here's my question:
What's ONE thing you could do today that your future self might thank you for?
📩 And if you need help figuring out where to start, send me a message. Let's talk.

10/28/2026

We talk a lot about saving for the future.
But here's a question I think is worth asking:
What do you actually want that future to look like?
Because “I want to retire someday” doesn't tell me very much.
Maybe you want to travel more.
Maybe you want more time with your kids or grandkids.
Maybe you want to spend your mornings in the garden instead of sitting in traffic.
Maybe you want to keep working—but because you enjoy it, not because you have to.
Maybe you'd like the freedom to help your family when they need it.
Or maybe you haven't really thought about it yet.
There's no right answer.
But I think knowing what you're building toward makes the financial side of the conversation a whole lot more meaningful.
Money isn't the end goal.
It's a tool that can help support the life you want to live.
So forget the numbers for a minute.
What are YOU building toward?
I'd genuinely like to know. Tell me in the comments or send me a message.

10/26/2026

Getting life insurance isn't necessarily a “set it and forget it” decision.
Because life doesn't stay the same.
You get married. Have kids. Buy a home. Start a business. Take on new responsibilities. Pay off old debts. Your goals change.
And somewhere along the way, the life insurance policy you put in place years ago may no longer reflect the life you're living today.
That's why I think a periodic review is worth having.
A few things I would want to look at with you:
• Has your family changed?
• Have your financial responsibilities changed?
• Are your beneficiaries still correct?
• Do you understand the coverage you currently have?
• Have your goals for the policy changed?
• Does the amount of coverage still make sense for your situation?
And here's something I think is important:
Reviewing your policy doesn't automatically mean you need a new one.
The goal is to understand what you currently have and determine whether it still aligns with your needs.
If it does, great.
If something has changed, then we can talk about your options.
So here's my question:
When was the last time you actually looked at your life insurance policy?
If your answer is “I honestly don't remember,” 📩 send me a message. Let's take a look together.

10/23/2026

Life has a way of changing while we're busy living it.
You get married.
Buy a home.
Have kids.
Change jobs.
Start a business.
Your income changes. Your responsibilities change. Your goals change.
But sometimes the financial decisions we made years ago just keep sitting there untouched.
That's why I think it's important to check in every once in a while and ask:
Does what I have in place today still make sense for the life I'm living now?
That might mean reviewing your life insurance coverage.
Looking at what you're doing for retirement.
Checking your beneficiaries.
Revisiting your goals.
Or simply taking inventory of what you have and making sure you actually understand it.
A review doesn't automatically mean you need to change something.
Sometimes it confirms you're comfortable with where you are.
Sometimes it uncovers questions you didn't know you had.
Either way, your financial strategy should reflect your life today—not just the life you had when you first put it together.
📩 When was the last time you reviewed yours?
If it's been a while, send me a message. I'm happy to start with a conversation.

10/21/2026

One of the questions I get about life insurance is:
“How much coverage do I actually need?”
There's no single number that's right for everyone, but one simple way to start thinking about it is the DIME method.
D — Debt
What debts would you want taken care of?
I — Income
If your income suddenly disappeared, how much would your family need replaced—and for how long?
M — Mortgage
What would it take to pay off the remaining mortgage?
E — Education + Everything Else
Think about education, final expenses, an emergency fund and other financial needs your family may have.
Add those pieces together and you can begin getting a clearer picture of the financial responsibility you're trying to protect.
And here's something important:
This isn't about picking the biggest number possible.
It's about taking an honest look at your life, your responsibilities and the people who depend on you.
If you've never calculated your life insurance needs—or it's been a while since you did—I'd be happy to walk through the DIME method with you.
📩 Send me a message and let's start the conversation.

10/19/2026

When you're building a life together, you're usually building a financial life together too.
The mortgage. The monthly bills. The kids. The future plans. Even the things one person contributes to the household that don't come with a paycheck.
That's why I believe life insurance is a conversation couples should have together.
If something happened to one of you, what would the other person suddenly be responsible for?
Could one income cover the household?
What debts would still need to be paid?
What would caring for the kids look like?
And how much coverage would actually be needed to help keep the life you've built moving forward?
The answer may not be the same for both of you—and that's okay.
There are different types of coverage, including term and permanent life insurance, as well as individual and joint policies. Each works differently, and what's appropriate depends on your needs, goals, budget and circumstances.
The important part is understanding your options before your family needs the protection.
If you and your spouse have never had this conversation—or it's been a few years since you've reviewed your coverage—I'd be happy to help you take a look.
📩 Send me a message and let's talk.

10/17/2026

Fired up for Tre's IHP class this morning with my bestie!

10/17/2026

Making more money can solve some problems.
But it doesn’t automatically answer questions like:
Where should my money be going?
Am I prepared for the unexpected?
Am I doing anything today to prepare for later?
Do I understand the financial tools I already have?
Are there options I haven’t considered because nobody has ever explained them to me?
Those questions matter whether you’re just getting started or you’ve been earning a good income for years.
Because earning is only part of the equation.
What you do with what you earn matters too.
And that doesn’t mean you need to know everything about finance. It means taking the time to learn, ask questions, and understand your options before making decisions.
That’s the kind of conversation I enjoy having.
No judgment. No expectation that you should already know the answers.
Just an opportunity to learn something that could help you make more informed decisions about your money.
📩 Have a financial question you’ve been meaning to ask? Send me a message. Let’s talk about it.

10/14/2026

For a lot of my life, I knew how to work hard.
I’ve spent years as a general contractor, and still am. I teach yoga. And like a lot of people, I figured if I kept working, kept earning and kept moving forward, I was doing what I was supposed to do.
But eventually I realized something:
Working hard and having a financial strategy aren't the same thing.
You can be great at making money and still have questions about what to do with it.
You can own a successful business and still wonder if you're preparing well for the future.
And you can do everything you were taught was “right” and still discover there are financial concepts and options nobody ever explained to you.
That's a big part of what eventually led me here.
I started learning.
Then I realized how many other hardworking people had the same questions I did.
Today, I want to help people understand their options, ask better questions and make financial decisions with more information behind them.
Because working hard matters.
But it's also important to know what all that hard work is building toward.
📩 If that sounds familiar, let's have a conversation.

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Los Angeles, CA

Telephone

+12099141269

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https://agents.ethoslife.com/invite/4fdac

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