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Thomas J. Barko

With nearly twenty years of both financial study and planning experience in the Mobile, AL area, I've developed and refined our firms' proprietary process - The Essential FORMula®.  Although unique, our process is easy to engage and puts all of the pieces of the financial puzzle together so our clients have the complete picture.  My team and I build customized financial plans based on each individual situation and actualize these plans in an easy to understand and interactive process.  I work specifically with individuals and their families who, among other things, aspire to a work-optional lifestyle and desire to secure or maintain a family investment legacy.

I hold a Bachelors Degree in Finance and am happily married to my high school sweetheart.  We are proud parents of twins (a boy and a girl!), have been married over 20 years and LOVE to travel. We are natives of Alabama having grown up on the Gulf Coast, and are both alumni of the University of South Alabama.  We are passionate about community improvement and outreach programs, serve in our local church, and I am proud to sit on the Board of Directors for Eye Heart World; a non-profit organization raising awareness and taking action against human trafficking.  I also earned Dave Ramsey’s endorsement for Investing, serving as an Endorsed Local Provider (ELP) for Mobile and Baldwin County in Alabama from 2010 until the Investing ELP Program ended in August 2016.  I now serve as a SmartVestor Pro for Ramsey Solutions instead.