Tom Marsella

Tom Marsella of Fresno, CA has amassed an outstanding 35-year reputation as an investment advisor and financial planner. His main areas of expertise include retirement and thrift savings plans (TSP), as well as social security, wills & trusts, and required minimum distribution (RMD) deferrals. Tom co-founded the financial planning company Retirement Concepts of America along with his son, Darin. RCA offers customers many services, including TSPs, 401(k), 403(b), and 457 plans, social security, retirement portfolios, annuities, and life insurance, as well as reporting tools. In conjunction with his responsibilities at RCofA, Tom Marsella serves as the Principal of Earnings Investment Co., an investment management firm that is aligned with Howard Capital Management. Together, the companies utilize a “crash-proof” conservative algorithm to ensure funds are securely transitioned to a bond position or conservative money market in the event of a down market. Tom is a true visionary within his field. He was one of the original founders of the 403-b Tax Sheltered Annuity (TSA) retirement plan for the school districts of Fresno (FUSD), Oakland (OUSD), and San Francisco (SFUSD), as well as the initiator of the very first 403-b tax annuity seminar for the employees of Fresno Community Hospital. Tom Marsella studied at the University of California, Berkeley eventually earning his undergraduate degree from Fresno State University in Business and Economics. He has supported his alma mater as a trustee with the Bulldog Foundation, as well as being an endowment committee member. Throughout his decades of experience, Tom Marsella has positioned himself as a true thought leader and visionary in his field, having given over 100 seminars on retirement planning to date and promoting involvement in a number of impactful organizations that wield mission statements he can fully support. As such, Tom has provided support to the likes of the Jelly Belly company in their efforts to ship candy to troops overseas, as well as Prison Fellowship Ministry, which supports the rehabilitation of inmates as they prepare to be reintroduced to society. Tom Marsella also stays active in other areas. He spent years as a financial correspondent for several local news stations and was repeatedly featured in The Fresno Bee. He has also been a member of several well-established societies, such as The Fresno Rotary Club and The East Fresno Boys Club, Chaffee Zoo and others. Tom Marsella's company is rated A+ with the Better Business Bureau (BBB), the National Ethics Association and was a nominee for the California Family Business Award and was named one of the top financial planners by the Fresno State School of Business. His varied background also includes being a runner-up for State Senator of California and serving as a US Army veteran war correspondent during the Vietnam Era. Outside of his work and extracurricular activities, Tom is a major proponent of athletics and general involvement in sports, as getting outside and participating in team activities have played integral roles in his life, especially as it relates to forming leadership skills. In 2010, Tom Marsella was recognized by the Age of Champions as one of the top senior athletes in all of California. Furthermore, he has competed in the Senior Olympics in track and field, and spent over 15 years participating in the Senior Hardball World Series.