Over the last 20+ years in financial services, Tom has worked both directly with clients and advisors to develop and implement comprehensive financial plans to address their goals and most complex financial needs. Tom spent over 21 years at Fidelity Investments primarily working with clients directly and in leadership positions. Tom spent the bulk of his 21 years focusing on two areas. Eight years in the managed accounts group focused on the real world application and implementation of portfolio management and a total of eleven years in wealth planning offices both in northern New Jersey and in Boston. While in Boston, Tom co-led a multi-billion dollar wealth planning office where he led a team of financial planners. His days were spent hiring, coaching, mentoring and leading his team to achieve successful outcomes for clients through financial planning and investing.

After leaving Fidelity, Tom served as the Chief Operating Officer of a start-up digital marketing company.

Tom has been a Certified Financial Planner, CFP® since 2005 and also attained the College Funding & Student Loan Advisor, (CFSLA).  The CFP® is foundational to the broad based planning that Tom and Breakwater Capital Group provide. The CFSLA allows Tom to specialize in an area that proves to be a financial challenge for many families and young professionals.

Tom lives in Norfolk County with his wife and three children. Outside of the office, Tom can be found either coaching or cheering on his children in their many athletic, musical or academic activities. Tom is an avid Boston sports fan.