About

Because many people make their financial decisions with different advisors, at different times, for different reasons and under different economic circumstances, there is often a lack of coordination and efficiency.


As a result, there are often gaps, fissures and missed opportunities in your current arrangements that result in money being left on the table and retirement goals being unrealized. This oversight may put your wealth in jeopardy of being attacked by outside eroding influences, with no defense. Not anymore. 


With TJF Retirement Strategies, their goal is to position your retirement assets, so that outside eroding factors have minimal—if any—impact on your enjoyment and lifestyle. They are dedicated to make it their mission to help you build the retirement you have worked so hard to achieve.

Let's Talk

Coordinate your planning efforts.

Because many people make their financial decisions with different advisors, at different times, for different reasons and under different economic circumstances, there is often a lack of coordination and efficiency.


As a result, there are often gaps, fissures and missed opportunities in your current arrangements that result in money being left on the table and retirement goals being unrealized.

This oversight may put your wealth in jeopardy of being attacked by outside eroding influences, with no defense. Not anymore. 


With TJF Retirement Strategies, their goal is to position your retirement assets, so that outside eroding factors have minimal—if any—impact on your enjoyment and lifestyle. They would walk to the end of the earth to guarantee you the right to have a dignified retirement.

Let's Talk

Thomas (Tom) J. Fogerty,

CFP®, CAP®, ChFC®, CLU®, RICP®, MBA specializes in the design and execution of retirement strategies for high achievers. 


As a CFP® Professional, Investment Advisor Representative, and a securities Registered Representative, Tom is dedicated to developing an understandable and objective plan for you while meeting the professional obligations required of him to serve your best interests. He carefully incorporates tax-reduction strategies to help minimize tax risks and erosion. He would welcome an exploratory meeting over coffee, by phone or over Zoom. Hats off to you for taking this important step in your journey and to being receptive to new ideas. Planning and problem-solving call for a disciplined process. As a former naval officer and second-in-command/navigator of a ship in the Atlantic Fleet, the founder of TJF Retirement Strategies can help you tackle your stated goals with focus, clarity and vision. 

Read more about Tom and connect with him too.

Following the white blazes on the trees to keep you on course.

Hanging food bags at night to keep them safe from bears.

Knowing the location of water holes and nearest town to stay safe.

Staying below the tree line in storms to avoid lightning.

Planning food drops in four- to five-day intervals to stay nourished. 

TJF Retirement Strategies helps you pack the right gear, so all contingencies are accounted for on your journey.

They are with you on this ride to help, support, inspire and serve.

TJF Retirement Strategies helps you pack the right gear, so all contingencies are accounted for on your journey.

They are with you on this ride to help, support, inspire and serve.


When you embark along the trail, there are certain activities that mimic a stable retirement plan: 

  • Hanging food bags at night to keep them safe from bears.
  • Following the white blazes on the trees to keep you on course.
  • Knowing the location of water holes and nearest town to stay safe.
  • Staying below the tree line in storms to avoid lightning.
  • Planning food drops in four- to five-day intervals to stay nourished. 

Following the white blazes on the trees to keep you on course.

Hanging food bags at night to keep them safe from bears.

Knowing the location of water holes and nearest town to stay safe.

Staying below the tree line in storms to avoid lightning.

Planning food drops in four- to five-day intervals to stay nourished. 

Don’t let traditional thinking point you in a direction you don’t want to go.

It’s not whether your current plan is right or wrong. It’s whether it’s complete or incomplete.

Having the right gear stowed helps ensure a pleasant & confident journey.

They are with you on this ride to help, support, inspire and serve.

Don’t let traditional thinking point you in a direction you don’t want to go.

It’s not whether your current plan is right or wrong. It’s whether it’s complete or incomplete.

Having the right gear stowed helps ensure a pleasant & confident journey.

They are with you on this ride to help, support, inspire and serve.

You might have a financial plan that will not work as designed. Maybe there’s not enough fuel (money) in the plan, or enough thrust (the correct products), or enough back-up systems in the case of unplanned events. Anyone can design a plan that works under the best of circumstances, but plans have to be built for worst-case scenarios. 


Let TJF Retirement Strategies prepare you with a worst-case scenario plan. They can show you how to stow your backpack correctly for all phases of the journey. They specialize in being stewards to help you create comprehensive and individualized maps toward retirement that are both efficient and effective.

Fuel up correctly.

You might have a financial plan that will not work as designed. Maybe there’s not enough fuel (money) in the plan, or enough thrust (the correct products), or enough back-up systems in the case of unplanned events. Anyone can design a plan that works under the best of circumstances, but plans have to be built for worst-case scenarios. 


Let TJF Retirement Strategies prepare you with a worst-case scenario plan. They can show you how to stow your backpack correctly for all phases of the journey. They specialize in creating defining moments in how you think about money, by eliminating the major wealth parasites and the unintended consequences of wealth erosion from your plan.

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