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Lighthouse Financial Advisors specializes in retirement planning, life and disability insurance and wealth transfer. Our team can provide you with financial planning strategies for long-term care, education funding, tax planning, estate planning, asset allocation, ongoing investment management, lump sum distribution advice, 401(k) and IRAs, and stock options. For corporations and non-profits, Lighthouse Financial Advisors offers advice and administration of qualified retirement plans, group employee benefits, executive benefits, supplemental retirement plans and voluntary employee benefits. We also provide communication services to your employees to help them understand their benefit options and plans. For small business owners and family-owned businesses, we also offer succession planning advice. Let us put our 55 years of combined experience to work for you! Tom Kozlowski is a Certified Financial Planner professional who co-founded Lighthouse Financial Advisors, Inc. to help families accumulate and preserve their wealth in preparation for a worry-free and dignified retirement. With close to two decades of experience in the financial services industry, Tom is committed to helping his clients plan for the future while living in the present. Tom earned his bachelor of science in Business Administration in 1984 from Utica College Syracuse University, and in 1986 was registered as a securities representative. With his down-to-earth style and common-sense, and conservative investment approach, Tom strives to help each of his clients address three common areas of concern: investment planning (accumulation, preservation and creating an income stream to enjoy retirement); estate planning (passing money to heirs); and health care concerns (long term care.) Tom's journey began with a series of regional brokerage firms that pushed "investment products" and "sales quotas" instead of focusing on what was best for the client. Tom knew there had to be a better way to help people with their finances than just recommending "the stock or bond of the day." Tom then discovered the world of independent broker dealers. Independent broker dealers allow each advisor to recommend what he or she feels is in the best interest of the client. There are no conflicts of interest; the client and advisor are on the same side of the table! This approach resonated so deeply with Tom and his business partner, Andy Wilson, that in 1992 they founded Lighthouse Financial Advisors, Inc. Today, the Lighthouse Financial Advisors team oversees over $100,000,000.00 of clients' assets. With a penchant for helping people from all walks of life, Tom's clients range from teachers and nurses to CEO's and business owners. His clients have included employees or retirees from national companies, such as: Bell Atlantic, Lockheed, Marriott, AOL, Mack Truck and other Fortune 500 companies. Locally , Tom's extensive knowledge of the State of Maryland retirement and pension system have led him to work with several hundred clients from Montgomery, Prince Georges, Howard, Frederick and Washington County Public School Systems. As a benefits consultant to Washington County Hospital and Antietam Health Services, a number of their employees and retirees find Tom's specific knowledge of their plans invaluable when planning for their financial future. 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. After just a few short years in the industry, Certified Financial Planner professional Andy Wilson had a dream to create an independent financial advisory firm that would provide completely unbiased financial advice. This meant no proprietary products - no ties to Wall Street firms - and no pressure to recommend the latest "hot" stock to his clients. Quickly tiring of working for firms that were more interested in marketing a product than doing what was in the client's best interest; Andy realized his dream in 1992 and joined with his longtime business partner Tom Kozlowski to co-found Lighthouse Financial Advisors, Inc. Andy now uses his years of experience to guide individuals, families, and businesses through the ever-changing financial planning landscape with unbiased advice driven by his client's needs. Andy came to Maryland in 1984 from his home town of Windsor, Ontario in Canada, having been recruited on a lacrosse scholarship by Loyola College in Baltimore, Md. In 1988, he received his bachelor of arts degree in Economics from Loyola College and upon graduation joined a national financial services firm marketing tax sheltered annuities to teachers in Prince George's County. Influenced by his in-laws, who both hold their Certified Financial Planner certification, Andy enrolled in the College of Financial Planning and received his CFP® certification in 1994. For over a decade now, Andy has had the opportunity to work with a broad range of clientele. His expertise with the retirement options available to Maryland teachers allows him to continue to assist teachers from the Montgomery, Howard, Carroll, Prince George's, and Washington County school systems. As a benefits consultant to Washington County Hospital and Antietam Health Services, Andy has also had the privilege of meeting the planning needs of numerous health care professionals, including doctors, surgeons, nurses, and support staff. In addition, Andy's services are in demand by employees and retirees from such corporations as Verizon, General Growth Properties, Time Warner, General Dynamics, Mack Truck, and other Fortune 500 companies. Andy attributes the continued growth of Lighthouse Financial Advisors, Inc. to its adherence to a solid financial planning process. He finds great reward in knowing that his firm is not swayed by the direction of the financial markets. Instead, it has remained committed to "staying the course" for its clients, focusing instead on the development of sound, long-term financial plans. This, Andy says, is the driving force behind what has allowed Lighthouse Financial Advisors, Inc. to become the firm he always dreamed of. Andy lives in Glenwood, Md. with his wife Melissa; their daughter, Megan; and sons Spencer and Connor. He is heavily involved in his children's extra-curricular activities, and also finds time to indulge in his other great passion of life - golf. 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