Tom Fernett
Future primary relationship lead
Business and financial experience with an integrated tax perspective; future advisory role contingent on licensing and Brookstone affiliation.
A more connected approach to your financial life
Protect What You’ve Built.
Plan Confidently for What Comes Next.
Tax perspective. Investment experience. Insurance insight. A practice intentionally built for long-term continuity.
A financial relationship built to see the whole picture — and designed to last.
Tax and investment decisions considered together.
Insurance and risk management integrated where appropriate.
A next-generation client relationship supported by experienced mentorship.
Our differentiator
See the Whole Picture
Tax Perspective
Financial decisions evaluated with an understanding of the tax consequences that may follow.
Investment Strategy
Portfolios considered within the broader financial plan — not in isolation.
Protection & Risk
Life insurance, annuity and risk-management considerations integrated where appropriate.
A deliberate model
Taxes and investments rarely operate independently.
We built Wealth Protection around a simple reality: investment, retirement and insurance decisions often create tax consequences — and tax decisions can materially affect the financial plan.
Where the intersections matter
- Roth conversions
- Capital gains
- Required minimum distributions
- Social Security taxation
- Medicare / IRMAA
- Business-owner planning
- Legacy decisions
- Retirement income sequencing
Experience. Perspective. Continuity.
Experience Today. Continuity Tomorrow.
Tom Fernett is being positioned to lead the next generation of client relationships, supported by the experience and mentorship of Owen S. Arnoff and Justin Romo.
Your financial relationship shouldn’t depend on just one person.
Meet the Team
Owen S. Arnoff
Founder · Senior Mentor
Enrolled Agent with decades across tax, advisory, insurance and business strategy.
Justin Romo
Advisor · Mentor
Enrolled Agent and IAR with accounting, tax, financial-analysis and investment experience.
How we help
Guidance for What Matters Most
Preparing for Retirement
Coordinate retirement timing, income, Social Security, taxes, Medicare and investment decisions.
Learn more →Managing Wealth in Retirement
Turn accumulated assets into a sustainable plan for income, taxes, risk and legacy.
Learn more →Business Owners & Complexity
Bring business, personal, tax, investment and succession decisions into one coordinated view.
Learn more →Our approach
Good Advice Begins Before the Recommendation.
1
Listen
Start with what matters to you.
2
Understand
See the complete financial picture.
3
Prioritize
Separate urgent from important.
4
Coordinate
Align tax, investment and protection decisions.
5
Implement
Put agreed steps into action.
6
Continue
Review as life evolves.
Markets & perspective
Markets at a Glance
Markets change daily. Your financial plan should be built for longer horizons.
S&P 500
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Live/delayed feed to be connected
Dow Jones
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Live/delayed feed to be connected
Nasdaq
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Live/delayed feed to be connected
Russell 2000
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Live/delayed feed to be connected
10-Year Treasury
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Live/delayed feed to be connected
VIX
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Live/delayed feed to be connected
Market data module is intentionally a placeholder until a licensed data provider is selected and required attribution/delay disclosures are confirmed.