Thomas J. Geraghty, Jr.

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CPA, CFP®, CDFA, CRPC, AIFA®, RF™

Thomas J. Geraghty is a Partner and Senior Wealth Manager with Stonegate Wealth Management. An experienced financial planner with more than twenty-five years experience, he is dedicated to providing financial, estate and investment planning services that look at and integrate the whole person and their family.

Tom focuses on the client’s agreed upon financial goals. He will typically bring together a professional team to generate both short-term and long-term solutions.

His personal communication skills and professional acumen benefit the firm’s clients in the following ways:

Identify current deficiencies
Create an integrated financial / life plan
Mitigate complex financial problems
Reduce significant estate planning challenges
Recommend and implement changes
Monitor progress and readjust as needed to ensure long-term success

CPA at the core

Certified Public Accountant (CPA) is the statutory title of qualified accountants in the United States who have passed the Uniform Certified Public Accountant Examination and have met additional state education and experience requirements for certification as a CPA. In addition to being a practicing Certified Public Accountant in the State of New Jersey for more than twenty-five years and a principal in his own accounting firm for nineteen years, Tom Geraghty was the Chief Financial Officer of the Township of Berkeley Heights for eleven years.

Other designations include:

CERTIFIED FINANCIAL PLANNER™ Certificant (CFP) – Tom has met the CFP Board of Standard’s education, examination and experience requirements. He has agreed to adhere to high standards of ethical conduct and has completed all certification requirements, including continuing education, and has identified himself to the CFP Board as being actively engaged in providing financial planning services. For more information, visit www.cfp.net.

Certified Divorce Financial Analyst (CDFA) - A member of the Institute for Divorce Financial Analysts, Tom specializes in the financial issues surrounding divorce. The role of the CDFA includes acting as an advisor to one party's divorce lawyer, or as a mediator for both parties. Tom uses knowledge of tax law, asset distribution, and short- and long-term financial planning to achieve an equitable settlement. More information here: www.instituteDFA.com.
Certified Retirement Planning Consultant (CRPC) – Completing the CRPC program through the College for Financial Planning has given Tom an even better way to focus on client-centered problem solving. Applicants gain in-depth knowledge of individuals' needs both before and after retirement. The study program to become a CRPC covers the entire retirement planning process, including meeting multiple financial objectives, sources of retirement income, personal savings, employer-sponsored retirement plans, income taxes, retirement cash flow, asset management, estate planning and more. Learn more at www.cffpinfo.com/crpc.htm.

Accredited Investment Fiduciary Analyst (AIFA) designation - Tom is certified to perform or assist in assessments of an Investment Steward's, Advisor's, or Manager's conformance to a Global Fiduciary Standard of Excellence using fi360's ISO-like procedure of assessment. According to fi360, the certifying entity, Accredited Investment Fiduciary Analyst™ designees are “the few people in the country with knowledge in both a prudent investment process and assessment principles, qualifications that are becoming increasingly desired and demanded by both the industry and regulators.” More information is available at www.fi360.com.
Registered Fiduciary™ (RF) designation – Tom has met the highest standard in the financial industry, according to Dalbar, one of the most respected assessment and measurement companies in the world. Dalbar has certified that Tom has achieved pertinent academic qualifications and licenses, learned required practices, and has passed a background check. Learn more at www.dalbar.com.

Professional memberships include:

Financial PlanningAssociation – www.fpanet.org
Garrett Planning Network – www.GarrettPlanningNetwork.com
American Institute of Certified Public Accountants – www.aiCPA.org
New Jersey Society of Certified Public Accountants - www.njsCPA.org
Florida Institute of CPAs – www.flCPA.org
Ed Slott's Elite IRA Advisor Group- http://www.irahelp.com/eliteGroup.php

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