Tom Froehlich, CIMC, CIMA

Tom Froehlich, CIMC, CIMA Veteran Financial Advisor (40+ Years) CIMC, CIMA
Mastering the 4 Phases of Retirement: Pre-Retirement to Legacy Transition member FINRA/SIPC.

Wealth Advisor with over 40 years of experience, Tom specializes in guiding
clients through comprehensive wealth management, retirement planning, and seamless legacy transitions. He is renowned for a collaborative approach, strategically partnering with his clients & accountants and attorneys to ensure every financial strategy is cohesive, tax-efficient, and
aligned with their long-term goals. Core Specializations
- Retirement Management: Navigating the four critical phases of retirement with a focus on wealth protection, growth, and sustainable distribution.
- Income Strategy: Crafting tailored Social Security strategies and dependable, tax-efficient income streams designed to last a lifetime.
- Legacy Planning: Empowering families and business owners to secure their financial future and transcend their legacy through intentional financial choices. Industry Leadership
Tom is a recognized leader in the financial services industry, Past President of The Wealth Advisor Institute and Founding President of the New York Chapter of the Investments & Wealth Institute. Philosophy: Clarity and Continuity
A frequent guest speaker, Tom centers his practice on providing Clarity and Continuity. He believes the foundation of success is a deep understanding of each client’s unique goals, enabling him to chart a robust, concise path through their retirement years. Beyond the Office
Tom has been married to Susan since 1989; they have three sons and three grandchildren. An avid "gym-rat" he maintains a rigorous workout schedule seven days a week at 5 a.m. When the weather permits, he can be found golfing at Spring Lake Golf Club. One of Tom’s greatest passions is his 15 years of volunteer work with his certified therapy dogs—all Nova Scotia Duck Tolling Retrievers. Tom and
his dogs visit hospital patients and staff and work with special needs children. Currently, his certified dog, Cooper, is active, and Casey is in training to become his fifth therapy dog. You can learn more about this breed via the NSDTRC (USA). Froehlich Financial Group, LTD is a branch office of Novem Group. Securities offered through Osaic Wealth, Inc. Advisory services offered through Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

The roof protects your home against nature’s risks. Is your personal wealth protected against life's risks?
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The roof protects your home against nature’s risks. Is your personal wealth protected against life's risks?

Building wealth requires protection from the forces of wealth destruction.

This season, it's all treats and no tricks when it comes to finding higher income opportunities with annuities. Make sur...
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This season, it's all treats and no tricks when it comes to finding higher income opportunities with annuities. Make sure annuities are part of your financial strategy. Explore this resource to learn how annuities can enhance your retirement plan.https://s3.amazonaws.com/static.contentres.com/media/documents/1666bc5d-991f-4f26-9364-a2e1bb539c7c.pdf

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Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

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At what point can you call a personal vehicle commercial?

As we step into a new season, it's the perfect time to rediscover the benefits of annuities. Whether you're planning for...
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As we step into a new season, it's the perfect time to rediscover the benefits of annuities. Whether you're planning for retirement or managing your estate, annuities can offer valuable support in securing your financial future. Ready to explore your options? We're here to help you get started.

Is there a role for both active and passive investments in your portfolio?
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Is there a role for both active and passive investments in your portfolio?

In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”

Doing some home improvement? There's one item that most homeowners overlook when undertaking remodeling projects.
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Doing some home improvement? There's one item that most homeowners overlook when undertaking remodeling projects.

The item most homeowners forget on their home improvement project checklist is insurance.

If you’re 65 or older, you may need to enroll in Medicare. We’ll help you sort through the basics to determine if you qu...
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If you’re 65 or older, you may need to enroll in Medicare. We’ll help you sort through the basics to determine if you qualify. Read more here:

65 or older? It may be time to enroll in Medicare. Read to learn if you’re eligible.

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900 Route 71
Spring Lake, NJ

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