--- title: Individual About Page --- [![orange-logo.png](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/orange-logo.png?width=77&height=53&name=orange-logo.png "orange-logo.png")](https://www.planforyourtomorrow.com) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. **Access** [![PFYT Planner](https://www.planforyourtomorrow.com/hs-fs/hubfs/Icons/planner_icon3.png?width=64&name=planner_icon3.png "PFYT Planner")](https://wealth.emaplan.com/ema/lpl/planforyourtomorrow) [![Orion Performance Reporting Portal](https://www.planforyourtomorrow.com/hs-fs/hubfs/Icons/Orion_Logo.png?width=62&name=Orion_Logo.png "Orion Performance Reporting Portal")](https://login.orionadvisor.com/login.html) [![Video Conference](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1126847570-png/Social_Icons/Gotomeeting-icon.png?width=64&name=Gotomeeting-icon.png "Video Conference")](https://global.gotomeeting.com/join/734633557) [![LPL Accountview](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1565280137-png/Social_Icons/LPL_Accountview_Icon.png?width=64&name=LPL_Accountview_Icon.png "LPL Accountview")](https://myaccountviewonline.com/AccountView/) [![Plan Sponsors](https://www.planforyourtomorrow.com/hs-fs/hubfs/Social_Icons/PLAN_VAULT_ICON.png?width=64&name=PLAN_VAULT_ICON.png "Plan Sponsors")](http://plans.fiduciarymanagement.com/planforyourtomorrow/Login) [![Schwab](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1562947778-png/Social_Icons/Schwab_icon.png?width=64&name=Schwab_icon.png "Schwab")](https://client.schwab.com/Login/SignOn/CustomerCenterLogin.aspx) [![Fidelity](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1565325402-png/Social_Icons/Fidelity_Icon.png?width=64&name=Fidelity_Icon.png "Fidelity")](https://login.fidelity.com/ftgw/Fas/Fidelity/RtlCust/Login/Init?AuthRedUrl=https://oltx.fidelity.com/ftgw/fbc/ofsummary/defaultPage) [![Schwab Institutional Intelligent Portfolios](https://www.planforyourtomorrow.com/hs-fs/hubfs/Ring-pie%20chart.png?width=64&name=Ring-pie%20chart.png "Schwab Institutional Intelligent Portfolios")](https://institutionalintelligent.schwab.com/) [![FACEBOOK](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1011587836-png/Social_Icons/facebook-1.png?width=64&name=facebook-1.png "FACEBOOK")](https://www.facebook.com/Planforyourtomorrow) [![TWITTER](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1008463084-png/Social_Icons/twitter-1.png?width=64&name=twitter-1.png "TWITTER")](http://twitter.com/ThomasRHurford) [![LINKEDIN](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1220068289-png/Social_Icons/linkedinfinal.png?width=64&name=linkedinfinal.png "LINKEDIN")](http://www.linkedin.com/company/plan-for-your-tomorrow-inc) [![YOUTUBE](https://www.planforyourtomorrow.com/hs-fs/hub/395206/file-1008463079-png/Social_Icons/youtube_(1).png?width=64&name=youtube_(1).png "YOUTUBE")](http://www.youtube.com/user/planforyourtomorrow/) Individual Investors # About We value objective, long-term solutions. ### ![](https://www.planforyourtomorrow.com/hubfs/PFYT,2018/About/icon-01.png) Design We want our investment and financial plans to be as straightforward and low-cost as we can make them. Only add complexity if simplicity won’t serve. - Strategic, Long-term Investment Portfolios - Sensible Financial Plans - Personalized Communication Plans ### ![](https://www.planforyourtomorrow.com/hubfs/PFYT,2018/About/icon-02.png) Assess First, we need to understand your goals and priorities, as well as the risks you are exposed to. Next we need to figure out if your current approach seems likely to succeed.  Only after that does it make sense to think about changes. - Current Situation - Risk Tolerance and Needs - Ideal Situation - Opportunities and Risks ### ![](https://www.planforyourtomorrow.com/hubfs/PFYT,2018/About/icon-03.png) Track Once we know where you are headed, we need to be sure that you keep making progress. As things change we want to make sure adjustments aren’t needed, either because of a life change or a change in financial markets. - Performance - Planning Progress - Life Changes ### ![](https://www.planforyourtomorrow.com/hubfs/PFYT,2018/About/icon-04.png) Educate We want our clients to really understand what we (and they) are doing. We try to remove the sense of mystery that investing has for some people. We want them to be better investors and planners with or without us. - Topics of Interest - Research - Individual Plans ### ![](https://www.planforyourtomorrow.com/hubfs/PFYT,2018/About/icon-05.png) Systematize Having a repeatable process for monitoring your investments and your relationships is of immense importance. We value transparency, and a thorough approach to helping our clients.  Renewing commitments is what keeps a relationships vibrant. - Communication Plans - Portfolio Automation and Rebalancing - Investment Performance Reviews - Suitability Reviews, and Risk Tolerance Testing - Review Overall Expenses - Review Internal Procedures Which Relate to Our Clients # A good financial or investment plan is thought out in advance and shouldn’t need constant tinkering. [![Let's Get Personal](https://no-cache.hubspot.com/cta/default/395206/9de0adb8-861d-4e78-8c7e-c5ae4a696c6a.png)](https://cta-redirect.hubspot.com/cta/redirect/395206/9de0adb8-861d-4e78-8c7e-c5ae4a696c6a) [![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon-feature-01.png?height=60&name=icon-feature-01.png) ![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon-feature-01-hover.png?height=60&name=icon-feature-01-hover.png) ### Strategic Approach We do something so simple it’s revolutionary. We take our time to work through one thing at a time. ](https://www.planforyourtomorrow.com/individual-about-page#) ![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon-feature-02.png?height=60&name=icon-feature-02.png) ![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon-feature-02-hover.png?height=60&name=icon-feature-02-hover.png) ### Collaborative Process We don’t dictate, we ask questions. Working as a team with our clients we uncover personalized strategies. ![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon-feature-03.png?height=60&name=icon-feature-03.png) ![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon-feature-03-hover.png?height=60&name=icon-feature-03-hover.png) ### Sophisticated Tools Our tools and resources are developed to allow our clients to interact with us in the most simple and effective ways. ![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon_feature-04.png?height=60&name=icon_feature-04.png) ![](https://www.planforyourtomorrow.com/hs-fs/hubfs/PFYT,2018/About/icon-feature-04-hover.png?height=60&name=icon-feature-04-hover.png) ### Individualized Relationships We work together and plan based on your personal attitudes, biases, visions for the future and priorities. ![Tom Hurford Bio](https://www.planforyourtomorrow.com/hubfs/PFYT,2018/About/img-team-01.jpg) Founder & CEO ### Tom Hurford [Read Bio](https://www.planforyourtomorrow.com/tom-hurford) In the almost twenty-five years I have spent working with individual and institutional investors, it has always been apparent how valuable objective advice has been.  1 / 02 ![Susan Wylie](https://www.planforyourtomorrow.com/hubfs/PFYT,2018/Bio/about-banner-Susan-Wylie.jpg) ### Susan Wylie [Read Bio](https://www.planforyourtomorrow.com/susan-wylie) Today's complex world requires creative and objective strategies. That's where we come in. 2 / 02 © 2018 Plan For Your Tomorrow, Inc Securities and Retirement Plan Consulting Program advisory services offered through LPL Financial,a Registered Investment Advisor, Member [FINRA](http://www.finra.org/)/[SIPC](https://www.sipc.org/). Other advisory services offered through Stratos Wealth Partners, Ltd. a registered investment advisor. Plan For Your Tomorrow Inc and Stratos Wealth Partners, Ltd. are separate entities from LPL Financial. Chartered Retirement Plan Consultant designations are conferred by the College For Financial Planning The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: FL, IN, MA, NJ, OH, TX, VA. CA insurance License #0L67490 [LPL Form CRS](http://LPL.com/CRS) [Stratos Wealth Partners Form CRS](https://www.stratoswealthpartners.com/_files/ugd/022529_1986b24e4fc148379fcb3270c1365706.pdf)