Tom is a risk management consultant.  He has an associate in risk management (ARM) designation from the Insurance Institute of America, and a chartered property casualty underwriter (CPCU) designation from the American Institute for Chartered Property Casualty Underwriters, Inc.  Tom also has a master of business administration degree from Troy State University and a bachelor of science degree in business administration from the University of Arizona.

Tom provides the following services:

• risk management and insurance consulting,
• alternative risk financing analysis and implementation, and
• program management.