Services and Knowledge We Bring to the Table

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing many products and services.

Thomas Rutter has worked in the financial services industry since 1989. He prides himself on his down-to-earth approach that most people find refreshing and enlightening. If you didn't notice, there is not one product mentioned on this website. Tom believes the product comes second (sometimes third or fourth) in the list of discussions. Like a doctor will not prescribe a diagnosis or prescription without first understanding the problem and need, Tom feels too many other "consultants/professionals" jump too quickly to that step.

As well as having many licenses, Tom is also accredited through the Veteran's Administration as an Accredited Claims Agent. He is one of very few in the United States who has passed the testing and vetting pcocess to receive this status. He works as an advocate to help wartime veterans and their widows obtain well deserved benefits they have earned.

Another unique area of knowledge is in the arena of Federal and Public Service Employees. He has taken the time to become acquainted with the myriad of benefits available for this group including: Civil Service Retirement System (CSRS), Federal Employee Retirement System (FERS), Voluntary Contribution Program (VCP), Thrift Savings Program (TSP), Federal Employee Group Life insurance Program (FEGLI), Federal Employee Health Benefits (FEHB) and group Long Term Care. (Again, you will find Tom's insight to these programs down-to-earth and helpful.)

Lastly, don't forget about the State of Pennsylvania's employees!  Tom has worked many years helping those working in, and looking to retire through, the Pennsylvania School Employees Retirement System (PSERS) and Pennsylvania State Employees' Retirement System (SERS) maximize those rules to their favor by helping understand their 403B/TSA as well as the pension choices and options.

Don't be scared off if you do not fall into one of the above "special" categories.  Tom works with people of "all walks of life" (and probably can help you) with your employee provided, and self directed, options as well.

 We encourage you to do your "homework" regarding any advisor before asking them for assistance. Use this hyperlink to go to FINRA's Brokercheck website to see the length of experience, licenses held, as well as if there has been any regalatory actions or complaints against that professional. As FINRA says, "There's no reason not to check".  FINRA BrokerCheck