Tom is a Financial Advisor at Belding Financial Planning, providing fee-only financial planning for individuals and families. He is also an Investment Advisor Representative of and offers investment advisory services through CGN Advisors, a fee-only SEC registered investment advisor.  

A Cleveland native who has lived most of his life on the East Coast, Tom has over thirty years’ experience in financial planning at the organizational and personal level, including positions in consulting, financial data services, international trade, and education. Before entering the business world, he did research in medical genetics and health economics. He has taught financial literacy and been the CFO of a school for children with learning disabilities, where he developed innovative approaches to financing special needs education. He has broad experience in the administration of benefits, including retirement plan origination and implementation. Employers have included Johns Hopkins University, Harvard University, Automatic Data Processing, Inc., BELKO, Inc., and The Newgrange School of Princeton, Inc., among others. He has served in numerous elected and appointed positions on public and private boards and advisory panels, and he has done business in over 30 countries. He was recognized as a Paul Harris Fellow by Rotary International and is the Chair of the Investment Committee of the Chatham United Methodist Church. He holds master’s degrees in Applied Economics, Health Services Administration and Human Genetics from the University of Michigan, and a B.A. in zoology with honors from the University of Maine.