TOM PENLAND
AGENT
As a dedicated financial professional with a rich career spanning 40+ years, Tom has always believed that education is the cornerstone of financial security. Throughout his career, and now as a Retired Income Certified Professional, RICP®, his focus has been on helping individuals aged 55 and older to better understand how risk affects them differently during their retirement years.
As a Decumulation specialist, Tom’s focus is on the spending years of retirement—helping clients transition from the accumulation, savings phase to the strategic management of their income and spending during retirement. His approach is grounded in the ‘safety-first’ philosophy, ensuring that his clients have security and peace of mind as they navigate this key life stage.
His aim is not to boast about accolades or claim superiority; rather, his mission is to educate and empower. By clarifying complex financial concepts, he strives to provide understanding and certainty amidst the noise of half-truths often found in the financial industry.
At the core, Tom’s intention is to provide confidence and assurance in retirement. He is passionate about guiding pre-retirees and retirees through their unique financial journeys, offering insights, and understanding that help them make informed decisions for a secure and prosperous future.
