PROFESSIONAL GUIDANCE
FOR HELPING YOU ADDRESS YOUR CLIENTS’ LIFE INSURANCE CHALLENGES
After a three-decade career in the life insurance profession, including serving as Vice President of Wealth Management Services at USI, the nation’s third largest* property and casualty broker, Tom Fay established Stone Point Financial Group in 2013 as an independent insurance planning practice to assist High Net Worth Advisors with their clients’ life insurance challenges.
Having spent his career providing insurance planning services to some of America’s most affluent families and business owners, Tom has been intimately involved in the sale of hundreds of millions of dollars of life insurance involving complex, multi-million dollar policies.
A Chartered Life Underwriter and Chartered Financial Consultant, Tom has worked closely with professional advisors throughout his career. His background has given him a unique understanding of your needs and concerns as well as the ability to speak your language in supporting and assisting you and your clients.
OBJECTIVE ADVICE, COMPREHENSIVE SERVICES
Stone Point Financial Group is independently-owned and is not tied to any one company, product or provider. We guide you and your clients according to the priorities you establish and then help you tailor and integrate the right strategies and tools to fit your client’s objectives.
Through our independent relationships with Valmark Financial Group and other industry leaders, we have access to some of the top echelon of global resources available. As your personal advocate, we bring together the necessary resources based on your client’s unique needs and deliver them with objectivity and superior personal service.
*Insurance Journal, 2019 Top Firms
OUR MISSION
HELPING YOU AND YOUR CLIENTS DETERMINE THE BEST PATH
We are at a crossroads in the life insurance profession today. Interest rates have been so low for so long that insurance companies have been seeking other ways to profit. Recently, one company after another has decided to increase their costs of insurance on policies that have been in existence for as many as 20 years.
The net result is that premiums on existing insurance policies are multiplying way beyond your clients’ expectations, and it is critical that you, as their trusted advisor, be in front of this matter.
Stone Point’s services provide solutions to these issues— whether it is advising your clients regarding the guarantees, or lack thereof, with their existing insurance portfolios, replacing their non-guaranteed policies with guaranteed contracts that provide stable premiums, or engaging in a life settlement of your clients’ policies when policy termination is found to be the best course of action.
AN INDEPENDENT CONFIDENTIAL RESOURCE
Services can be provided behind the scenes through your firm or via direct client interface on a case-by-case basis. Simply put, our goal is to add to your credibility—through technical intelligence and comprehensive resources—delivered objectively, promptly and thoroughly.
OUR PEOPLE MAKE US WHO WE ARE
EMAIL: TFAY@STONEPOINTFG.COM
THOMAS FAY | CLU®, ChFC®, LUTCF
Advisor
Professional Experience
- Bachelor of Arts – Journalism & Spanish – Kansas State University
- Chartered Financial Consultant® – The American College
- Chartered Life Underwriter® – The American College
- Life Underwriter Training Council Fellow – The American College
- Securities Licenses – Series 6, 63 and 65
- Insurance Licenses for Life, Health, Property, Casualty and Variable Products
PROFESSIONAL EXPERIENCE – CURRENT
- Founder and Managing Partner, Stone Point Financial Group
- Over thirty years of experience counseling high net worth individuals, business
owners, corporations, and professionals in the areas of estate and business
financial planning - Public speaker on wealth planning strategies, executive benefits and retirement
planning
PROFESSIONAL EXPERIENCE – PRIOR
- Vice President, Wealth Management – USI Midwest
- Estate & Business Financial Planning Specialist – Viti Financial Services,
Highwood, IL - Life Insurance Professional – Prudential Preferred Financial Services, Skokie, IL
PROFESSIONAL AFFILIATIONS
- Million Dollar Round Table – Lifetime & Top of the Table member
- Chicago Estate Planning Council
- National Association of Insurance and Financial Advisors
- Finseca
PHONE: 312-445-9440
EMAIL: JTSUJI@STONEPOINTFG.COM
JILL TSUJI
Partner
Jill joined Stone Point Financial Group in June of 2013. She previously worked with Tom Fay for eight years at USI Midwest where she was as an Account Manager in the Wealth Management department. Jill brings over 18 years of experience in the insurance industry to Stone Point and specializes in exceptional customer service. She manages relationships with clients and assists in the development and implementation of various insurance plans. Jill graduated with a BA in communications from Western Illinois University. She currently holds a FINRA Series 6 license along with Life, Accident and Health Insurance licenses in the state of Illinois.
Jill lives in the northwest suburbs of Chicago and enjoys spending time with her husband and son, coaching Little League baseball, playing golf, and volunteering for the local Food Pantry, United Way and the Tuberous Sclerosis Alliance of Illinois.
OUR STRATEGIC PARTNERSHIPS
Stone Point is a Member Firm of Valmark Financial Group, a 57-year-old, invitation-only group of independent wealth and insurance advisory firms. As a collective group, Valmark Member Firms have over $46 billion of life insurance in force and an estimated $5 billion of assets under management with an additional $25 billion of assets under management controlled through independent Investment Advisors associated with Valmark. This combined buying power gives us access to some of the nation’s top companies, products, and services, enabling us to advocate on behalf of our clients while maintaining independence.
Valmark Securities, Inc., our broker dealer, is a member of FINRA and SIPC, and is licensed in all 50 states for securities and insurance. The company has 100+ independently-owned Member Firms throughout the United States. Its affiliate, Valmark Advisers, Inc., is a Registered Investment Advisor with the SEC. WWW.VALMARKFG.COM
SOME OF THE BRIGHTEST MINDS IN THE BUSINESS WORKING ON YOUR BEHALF
Valmark employs over 100 professionals with credentials spanning multiple financial disciplines—from legal, accounting, tax and financial advisory expertise to life insurance, business insurance, and estate planning. This enables us to leverage the knowledge and experience of these professionals to help us deliver innovative thinking and recommendations when helping our clients strategically plan for their futures. A sample representation of the team’s credentials includes:
AN UNDERWRITING ADVOCACY TEAM with several former insurance company underwriting vice presidents, directors and medical directors, a licensed physician, and a staff of case management, business processing and policy service specialists.
INSURANCE PLANNING SPECIALISTS AND ADVANCED CASE ADVISORS, including a team of attorneys, accountants, MBAs, Certified Financial Planners™, Chartered Life Underwriters, and Chartered Financial Consultants, many of whom are FINRA Registered Principals who provide independent assessment and analysis of recommended product sets, policy management and life settlements.
KEY BACK-OFFICE TEAM MEMBERS
BENJAMIN LASSIG
NEW BUSINESS SPECIALIST
*Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Have a case you would like to discuss?
Securities Offered Through Valmark Securities, Inc. Member FINRA, SIPC
Customer Relationship Summary (CRS)
Investment Advisory Services Offered Through Valmark Advisers, Inc. a SEC Registered Investment Advisor 130 Springside Drive, Akron, Ohio 44333 | 1-800-765-5201
Stone Point Financial Group is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc. Stone Point Financial Group, Valmark Securities, Inc. and Valmark Advisers, Inc. do not provide legal or tax advice.
