— Financial Advisor for Retirees and Families in Florida

Meet Thomas Gruber, CPA/PFS™

With over three decades of experience in financial planning, tax strategy, and investing, Tom Gruber brings calm, clarity, and perspective to the people he serves. As a CPA and Personal Financial Specialist, he helps pre-retirees and retirees make thoughtful decisions about income, distributions, and the legacy they want to leave behind.

Tom’s approach is personal and grounded in listening—built around everything you value most, not just what’s in your accounts.

— Guidance Through Retirement

Decades of Experience. A Lifetime of Perspective.

Tom’s career began in accounting and finance, but his passion has always been working directly with individuals and families. After passing the Series 65 in 2005, he combined his CPA background with holistic financial planning to help clients feel more prepared, more organized, and more at peace about what comes next.

Tom holds the Personal Financial Specialist credential from the AICPA and is licensed as a Certified Public Accountant in the state of Florida. Over the years, he’s guided countless clients through complex planning decisions with empathy, precision, and follow-through. So whether you’re managing retirement accounts, planning for tax-efficient income, or thinking about how to support the next generation, Tom is here to help you navigate it all with care.

— Built Around Family —

A Financial Philosophy Shaped Around Family

Some of Tom’s earliest financial lessons came not from textbooks, but from family dinner conversations. Sitting around the table with his father and grandfather, he learned about saving, investing, and identifying companies with strong leadership and lasting value.

Those early conversations inspired a lifelong love for the business of investing, and a belief that wise choices, paired with strong values, can shape a meaningful legacy. Today, Tom shares those same lessons with his own children and five grandchildren, passing down the values that have guided him for decades. Whether he’s discussing financial strategy with a client or camping with his grandkids, his approach stays the same: listen, encourage, and guide with patience and care.

— Retire With Confidence

Why Clients Choose to Work With Tom

Clients often describe Tom as steady, thoughtful, and deeply knowledgeable. He explains complex topics with ease, always ties strategy back to purpose, and makes space for conversations that go beyond the numbers.

He’s especially passionate about working with individuals and couples entering retirement who want to feel organized, intentional, and confident about their future income and long-term plan.

If you’re looking for someone who listens first, follows through consistently, and brings decades of experience to the table, Tom is a great fit for your financial journey.

— More Than Planning

When He’s Not Advising, He’s Exploring

Outside the office, you’ll often find Tom outdoors—kayaking Florida waters, hiking with his wife, alpine skiing, or chasing adventure with his grandchildren. He believes life is meant to be enjoyed, and that your financial plan should support the experiences, connections, and impact you care about most.

That belief shows up in every client meeting and every piece of planning advice he shares.

— Rooted in Service

Fully Committed to the Communities We Serve

For Tom, community involvement always starts at home, with the values passed down through generations and now shared with his beloved children and grandchildren.

Beyond his advisory work, Tom contributes his time and experience to local efforts that align with his belief in giving back. Whether it’s mentoring younger professionals, volunteering with family-focused organizations, or simply sharing financial wisdom with neighbors and friends, Tom’s presence in the community is grounded in generosity, humility, and a deep respect for connection.

— Let's Connect —

Want to Talk Through What’s Next?

Whether you’re preparing for retirement, rethinking how you draw income, or just want to feel more in control of your tax picture, Tom is here to help. Start with a simple, no-pressure call to share your questions and learn more about how we work. We’ll take it one step at a time—together.