Thomas M. Joseph, CLU, ChFC, CASL A graduate of Penn State University, Tom brings over 30 years of experience in asset accumulation, protection and distribution to families, individuals and business owners. Financial Advisor with Fleming Financial Services, Inc. Professional Designations Chartered Life Underwriter (CLU) Chartered Financial Consultant (ChFC) Chartered Adviser for Senior Living (CASL) Tom is actively involved in industry organizations. Member of the Estate Planning Council of Pittsburgh Member of the Society of Financial Service Professionals Member of the National Association of Insurance & Financial Advisors Has served as a Board Member Past President of Pittsburgh Chamber SFSP Past President Achieva Family Trust Past President Outreach Teen & Family Services Member of Rotary International Tom was awarded the “This Town Would Be Different Without … Outstanding Citizen Mt. Lebanon” in ­­­2007. Securities and Investment Advisory Services offered through NFP Advisor Services, LLC (NFPAS), member FINRA(finra.org)/SIPC(sipc.org). FFS Inc. is a member of PartnersFinancial a platform of NFP Insurance Services, Inc. (NFPISI), which is an affiliate of NFPAS. FFS Inc. and NFPAS are not affiliated. NFP Advisor Services, LLC does not provide legal or tax advice. Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax and legal counsel. *Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss of principal due to changing market conditions.