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. Cor

e 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.

Embrace the new digital era and ensure careful ownership, management, and estate strategy for your intellectual property...
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Embrace the new digital era and ensure careful ownership, management, and estate strategy for your intellectual property.

Intellectual property ownership and its implications for ordinary people and estates.

Ask yourself hard questions: Do I know enough about estate management? Will my family be ready?
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Ask yourself hard questions: Do I know enough about estate management? Will my family be ready?

Is your estate in order? This short quiz may help you assess your overall strategy.

07/16/2026
What do Americans spend more on? 1) taxes or 2) food, clothing, and shelter? Answer = 1.
07/15/2026

What do Americans spend more on? 1) taxes or 2) food, clothing, and shelter? Answer = 1.

Here's a breakdown of how the federal government spends your tax money.

Do your financial concerns feel stressful? Take a look at this video for some best practices when it comes to your finan...
07/13/2026

Do your financial concerns feel stressful? Take a look at this video for some best practices when it comes to your financial strategy.

An amusing and whimsical look at behavioral finance best practices for investors.

Children with special needs may need ongoing help after their parents are gone.
07/10/2026

Children with special needs may need ongoing help after their parents are gone.

Planning for a child with special needs can be complicated, confusing, and even overwhelming.

Have you ever had to deal with a "white elephant" inheritance? Learn how to avoid holding on to a burden in our latest a...
07/08/2026

Have you ever had to deal with a "white elephant" inheritance? Learn how to avoid holding on to a burden in our latest article.

This article deals with how one might deal with a burdensome inheritance.

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic effort...
07/08/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Stocks pushed higher in May, fueled by big tech names, positive economic news, and ongoing diplomatic efforts in the Middle East.

Looking to create a financial legacy for your heirs while managing taxes? Grantor Retained Annuity Trusts (GRATs) may be...
07/06/2026

Looking to create a financial legacy for your heirs while managing taxes? Grantor Retained Annuity Trusts (GRATs) may be the solution you're looking for. Explore how GRATs can help you transfer wealth and reduce gift tax liability.

Explaining Grantor Retained Annuity Trusts (GRATs) and their benefit to estate strategy.

Address

900 Route 71
Spring Lake, NJ

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