"Passionate, knowledgeable, heart of a teacher, motivator, and a genuine interest in putting our family's best interest first are the words to describe our relationship with Tom.  We had interviewed about 15 financial advisors, planners, and coaches prior to meeting Tom.  15 minutes into our first meeting with Tom, we knew we wanted to work with him on our financial journey.  Tom took the time to understand our needs, current finances, and what we are looking to get out of the financial coaching experience.  Our immediate needs were around retirement planning where we needed help with recommendations on our 401K selections, and determine if we will be ready and positioned to retire by our retirement ages.  Tom went above and beyond what we came to him with - he took the time to review our complete financial profile and worked with us in these areas:  budgeting and budget adjustment recommendations, retirement planning - retirement contribution recommendations, assistance in selecting retirement investments, estimating future retirement incomes, social security and pension, bridge accounts, forecasted retirement values and flows, college savings, etc.  Tom provided recommended action items (immediate/ASAP and future action