Trusted guidance with a personal touch
We help individuals, families, advisors, and professionals make thoughtful insurance and financial decisions with clarity and confidence.
Why Clients Value TLH Consulting
Experience
More than three decades working inside the insurance and financial services industry.
Relationships
A career built on long-term trust, collaboration, and professional partnerships.
Practical Perspective
Real-world guidance shaped by experience. Not just information but insights that work best.
Personal Approach
Every conversation is thoughtful, collaborative, and focused on what matters most to you.
Experience Matters
After more than 30 years in the life insurance and financial services industry — including leadership roles working alongside advisors, consultants, brokerage firms, and financial professionals across the country — I founded TLH Consulting to provide a more personal and relationship-driven approach to guidance and consulting. I have worked on both sides as an advisor to clients and in corporate leadership.
Over the years, I’ve helped individuals and professionals navigate:
Life Insurance, Annuity and Long Term Care Decisions
Adding life insurance to online platforms as a revenue stream
Business and Industry Strategy
Today, my focus is simple:
Helping people make informed decisions about insurance and financial planning with honesty, perspective, and practical experience.
Trusted by Professionals and Community Leaders
“Tom is one of the most trustworthy men we have met in our lifetime. When it comes to complex financial questions, he is one of our go to advisors.”
— Bill & Pam Farrel
Best selling authors and professional speakers
“What stands out most is Tom’s ability to simplify complex financial decisions while genuinely caring about the people he helps.”
— Rik G.
Senior Vice President, professional sports team
“Tom has helped me navigate several important insurance decisions over the years. His insight and integrity are the best!”
— Paul Phillips
Retired Lieutenant, San Diego Police Dept.
What Working Together Looks Like
1. Initial Conversation
We start with a simple discussion on zoom, online chat or on a phone call about your goals, questions, or current situation.
2. Evaluate Opportunities & Concerns
Together we review options, priorities, and areas where guidance may be helpful.
3. Build a Practical Path Forward
You receive thoughtful recommendations and clarity designed to help you move forward confidently. If I can’t help you, I’ll refer you to one of the experts in my network.
Let’s Start a Conversation
Whether you’re evaluating your insurance needs or want to better understand the life insurance industry, I’d be happy to connect.