Tom has a 15-year history as a financial advisor with UBS constructing investment portfolios. He is an expert at making daily buy and sell decisions for stocks, bonds, mutual funds, unit investment trusts, annuities, and structured investment products. He has published articles in numerous financial publications regarding the economy, breaking news and individual stocks. He is highly regarded as a fixed income and personal finance specialist. Tom's background includes a NASD Series 7 and 63 certifications, as well as a degree in Finance. Tom also has extensive experience with life and health insurance.