With over 40 years of experience in the financial services industry, Tom Golberg has extensive knowledge of financial products, services and retirement programs. Tom possesses strong analytical skills and is recognized for being pragmatic and organized with highly effective communication and interpersonal skills. His passion for his profession is a direct result of the satisfaction he obtains from building investment and financial programs, which focus on the needs of his clients, as well as their retirement plans. Tom embarked on his second career as a Financial Advisor in 1997, after retiring as a senior executive from Standard Life. He specializes in investment counselling, and enjoys working with his clients to determine their individual needs. Tom is a Fellow of the Canadian Institute of Actuaries with expertise in Individual Pension Plans (IPPs) and would be pleased to consult on any aspects of the latter.