Tailored Financial Strategies for Every Milestone
Empowering Your Financial Future with Expert Guidance
Discover how Ables Financial Solutions can help you achieve your financial goals at every stage of life. Our comprehensive services are designed to provide clarity and confidence in your financial journey.
Comprehensive Financial Planning Services
Retirement Planning
Secure your future with tailored retirement plans that maximize savings and ensure a comfortable lifestyle.
Federal Retirement Planning
Navigate FERS, TSP, and federal benefits with confidence through guidance tailored to your unique career path.
Social Security Planning
Maximize your benefits with strategic claiming decisions designed around your income needs and timeline.
Estate Planning
Protect your legacy and provide for loved ones with a plan that reflects your wishes and values.
Tax Strategies Planning
Minimize your tax burden today and in retirement with proactive, personalized planning strategies.
Roth Conversion Planning
Reduce future tax liability and build tax-free income with smart, well-timed Roth conversions.
Long Term Care (LTC)
Safeguard your savings and your family with a plan that prepares you for care needs down the road.
Insurance Planning
Protect what matters most with coverage tailored to your life stage, goals, and risk tolerance.
Mission and History
Tom brings over 31 years of insurance industry experience and 15 years in investment services to his practice. For the past 16+ years, he has specialized in federal benefits planning and Social Security guidance for both civilian and federal clients, including Roth conversion strategies for his affluent clientele.
A graduate of the University of North Carolina at Wilmington, Tom began his career as a registered representative with MetLife and later served as a 403(b) financial professional with AXA Advisors. This foundation gives him deep insight into the unique challenges facing pre-retirees, retirees, and federal employees today.
Tom holds the NSSA Social Security Certification, serving as a National Social Security Advisor, and has earned the Federal Retirement Consultant (FRC) designation through advanced training in the federal benefits market. He is also a member of the Million Dollar Round Table (MDRT), an honor held by just 2–3% of financial professionals worldwide, and a former member of the Council of Financial Educators (COFE), a nonprofit dedicated to retirement education.
He works with over 200 federal employee clients across New England and 50+ civilian clients throughout North Carolina, Virginia, South Carolina, Tennessee, and beyond, along with support for veterans through the VA. For Tom, relationships are the foundation of success.
Outside the office, Tom enjoys fishing, yard work, church involvement, and time with his wife, children, and grandchildren.
His motto: People buy from people — integrity and strong relationships are the key.
