As co-founder and managing partner at Lighthouse Wealth Management, Tom Kozlowski specializes in assisting clients with investment planning, estate planning and health care concerns. With over two decades of experience as a CERTIFIED FINANCIAL PLANNER™ professional and over 20 years of investment experience, he provides financial advice and investment strategies to help clients pursue their goals and dreams.
Tom earned his Bachelor of Science in business administration in1984 from Utica College of Syracuse University, and in 1986 was registered as a securities representative. Along with his CFP designation, Tom currently holds Series 7, 24, 63 and 65 Registrations, along with multiple Life and Health Insurance Licenses.
In 1992, after experiencing the ineffectiveness of numerous regional brokerage firms that merely offered static “investment products” and simply wanted to reach “sales quotas”, Tom adopted a service-based financial assistance model based on the needs and best interests of the clients. And so, Lighthouse Wealth Management was born. The team at Lighthouse consists of independent financial advisors specializing in financial planning for individuals and small businesses. Services include: investment management; retirement; estate and tax planning; college funding; and insurance. With over 80 years of combined financial experience, they assess individual client needs and work skillfully to navigate the complexity of financial planning.
In 2006 Tom and his partners built the New Market Professional Center on Main Street in New Market, Maryland. The purpose was to provide Lighthouse clients with the services that most high net worth individuals need – all under one roof. This led to the development of the “COMPASS” program, a unique and unified approach to financial advising that combines fee-based financial planning and investment advisory services along with annual tax preparation and estate planning documents at no additional cost, and completely integrated into one convenient package.
Tom’s specialties: Retirement Planning; Tax and Estate Planning; General Financial Planning; Financial Advisors; Financial Services; Life Insurance; Investment Advisor Representative; Money Manager; Investment Coach; Investment Advisor; Investment Planner; Estate Planning; Tax Efficiency; Effective Planning; Retirement Planning; Income Planning and Investment Planning.
Tom’s service to the community is equally important to him. He is either serving as or recently served as: Member of Monocacy Valley Church Building and Finance Team; Chairman of the Gus Macker 3 on 3 Charity Basketball Tournament; Treasurer of Blue Ridge Force AAU Girls Basketball; Coordinator and coach of the LUYAA Middle School Girls Basketball Teams; Southern Frederick County Rotary Board Member, as well as their Fund Raising Chairperson.
Tom and his wife Teri currently reside in New Market, Maryland. When free time allows, Tom enjoys golf as a member of Holly Hills Golf Course, working out, traveling with Teri and a nice bottle of wine.