P.O. Box 360
164 W. Main St., Suite F
New Market, MD 21774
301-865-9740 Ext. 13
800-944-5852
Fax 301-865-9741
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Thomas M. Kozlowski, CFP®
Co-Founder, Lighthouse Financial Advisors, Inc.

Tom Kozlowski is a Certified Financial Planner™ professional who co-founded Lighthouse Financial Advisors, Inc. to help families accumulate and preserve their wealth in preparation for a worry-free and dignified retirement. With close to two decades of experience in the financial services industry, Tom is committed to helping his clients plan for the future while living in the present.

Tom earned his bachelor of science in Business Administration in 1984 from Utica College Syracuse University, and in 1986 was registered as a securities representative. With his down-to-earth style and common-sense, and conservative investment approach, Tom strives to help each of his clients address three common areas of concern: investment planning (accumulation, preservation and creating an income stream to enjoy retirement); estate planning (passing money to heirs); and health care concerns (long term care.)

Tom’s journey began with a series of regional brokerage firms that pushed “investment products” and “sales quotas” instead of focusing on what was best for the client. Tom knew there had to be a better way to help people with their finances than just recommending “the stock or bond of the day.” Tom then discovered the world of independent broker dealers.

Independent broker dealers allow each advisor to recommend what he or she feels is in the best interest of the client. There are no conflicts of interest; the client and advisor are on the same side of the table! This approach resonated so deeply with Tom and his business partner, Andy Wilson, that in 1992 they founded Lighthouse Financial Advisors, Inc. Today, the Lighthouse Financial Advisors team oversees over $150,000,000.00 of clients' assets.

With a penchant for helping people from all walks of life, Tom’s clients range from teachers and nurses to CEO’s and business owners. His clients have included employees or retirees from national companies, such as: Bell Atlantic, SAIC, Lockheed, Marriott, AOL, Mack Truck and other Fortune 500 companies. Locally , Tom’s extensive knowledge of the State of Maryland retirement and pension system have led him to work with several hundred clients from Montgomery, Prince Georges, Howard, Frederick and Washington County Public School Systems. As a benefits consultant to Washington County Hospital and Antietam Health Services, a number of their employees and retirees find Tom’s specific knowledge of their plans invaluable when planning for their financial future.

Tom’s service to the community is equally important to him. He is either serving as or recently served as : Member of Monocacy Valley Church Building and Finance Team, Chairman of the Gus Macker 3 on 3 Charity Basketball Tournament, Treasurer of Blue Ridge Force AAU Girls Basketball, Coordinator and coach of the LUYAA Middle School Girls Basketball Teams.