Thomas Neal Tillery, CFP®, AEP® (Distinguished), CLU®, ChFC®, CRPC®, LUTCF® is Vice President & CCO of Paraklete® Financial, Inc. Paraklete® provides integrated fee-for-service personal financial planning and virtual family office services, without asset management or product sales. The firm acts as _An Advocate in Financial Services_® for its clients with a disciplined focus on independence and objectivity. Tom is also a co-founder and Vice-President of Financial Planning Advocate, LLC, a provider of continuing education for CPA's, financial advisers, universities, and colleges. Tom earned an MS in Financial Services from The American College and an MA in education from The Southern Baptist Theological Seminary. He is an active member of AICPA (Non-CPA Associate), National Association of Estate Planners & Councils, and the Atlanta Estate Planning Council. With more than 35 years of experience in personal financial planning, Tom is a frequent speaker and author on topics relating to personal financial planning including, Financial Planning and Tax Advisory Services, Estate Planning for the Affluent, Current Retirement Issues, Working with Investment Advisors, and Stewardship. Mr. Tillery is the co-author of _Essentials of Personal Financial Planning_, a textbook used by colleges and universities in graduate programs in accounting, business, and law. Additionally, Tom has co-authored _The AICPA Financial Planning Certificate Program_. The program addresses all areas of the Personal Financial Specialist (PFS) Body of Knowledge and successful completion, with related experience, permits participants to obtain the PFS Credential. Tom and his family reside in Kennesaw, Georgia.