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    Thomas H. Waring

    ChFC®, CLU®

    About Thomas

    Tom has been active in the financial services industry since 1982 and is the founder of Waring Financial Group. Tom focuses on serving closely held family businesses, key executives and high net worth individuals. He provides his clients with holistic business and personal financial planning including business succession planning, estate analysis, insurance planning, investment solutions, selective key employee and employer benefits and charitable giving. He is also CEO of Family & Business Directions, LLC, a consulting business established in 2010 to help business owners and families to successfully develop “Family Wealth” sustainability habits and processes. He also serves as a Director and Human Resources & Compensation Chair of Evans Bank. Tom resides in Hamburg, New York.


    B.S. in Political Science - SUNY at Fredonia
    Master’s Degree in Financial Services – The American College


    Certified Family Business Specialist (CFBS)
    Masters of Financial Services
    Chartered Life Underwriter (CLU)
    Chartered Financial Consultant (CFC)
    Life Underwriter Training Council Fellow (LUTCF)
    Certified Long Term Care Specialist (CLTC)


    The Family Firm Institute
    MassMutual’s Agents Association – Past President
    Financial Planning Counselors of WNY – Past Member of the Board of Directors
    Estate Analysts of Western New York – Past President
    Society of Financial Service Professionals

    Area(s) of Focus

    • Insurance Strategies

    MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Agency officers are not officers of MassMutual.

    I am licensed to sell Insurance Products in the following jurisdictions:
    Arizona, California, Connecticut, Florida, Maine, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, West Virginia, Virginia

    Thomas H. Waring ChFC®, CLU®, Hamburg, NY, CA Insurance Lic.# 0B18154

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