Tom brings a wealth of knowledge and experience in helping clients plan for a secure financial future. As the president of Forward Financial Services, Inc., Tom uses a relationship driven, individual-based approach to macro-economic planning. He works creatively with each client to address the appropriate investment, savings and protection programs and develops a financial blue print that is unique to their personal goals and objectives. Forward Financial Services, Inc. is committed to helping you pursue your long-term financial goals. As specialists in retirement planning, we can help you answer the questions you may have about your financial future, such as: What rate of return do I have to take for my current plan to work? How long will I have to work before I can afford to retire? How much can I afford to spend and not run out of money? How much do I need to be saving to reach my desired retirement income?