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Thomas Young

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Prosperity Pathway

Thomas W. Young

Thomas W. Young


1413 Third Street, Beaver, PA 15009

Tom is a lifetime resident of Western, PA and has a wife Thresa and one daughter Sarah. Tom started in the financial services industry in 1976 and is the founder and President of 1st Consultants, Inc. He is the Professional Speaker for Financial Curves, Inc. Tom is a financial strategist who uses time value concepts and lost opportunity cost evaluations to help clients maximize the time value of money and benefits associated with insurance and financial products. Tom is a professional speaker, a published author, and a radio personality on 1230/1460 WBVP/WMBA in Beaver Falls, PA. The radio show is called, “The Financial Mastery Coach”.

Tom has written two books at this time and is working on this third.  Tom’s first book is called “Life Insurance Will it pay when I Die?” and the second book which will be out in the next 60 days is called “The Family Money Farm the CFO Project.”

Tom earned the 2010 Beaver County Times Best of the Valley Readers’ Choice Award for best Financial Planner, and honorable mention in 2011. He has been recognized by Pittsburgh Magazine as a Top-Scoring Wealth Manager. Tom has been named 2004 Businessman of the Year by the National Republican Congressional Committee’s Business Advisory Council and is the recipient of the 2004 Ronald Reagan Gold Medal Award. Tom is a 6-year recipient of The Five Star Wealth Manager Award since 2012-2018 and has received 2018 Top Wealth Managers of Pittsburgh Award.   Tom had an article published in the California Broker June 2019 Edition and won Entrepreneur of the Year in 2017 from The Beaver County Chamber Commerce. Tom earned several professional designations such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Registered Financial Consultant (RFC) he has been certified with College Planning Relief, to provide clients with solutions that address multiple financial goals simultaneously: paying for college, home ownership, retirement income, and lifestyle.

Along with these designations, Tom is a former National Field Trainer for LEAP™ Systems, Inc. He is a member of the National Ethics Bureau. He has served on the Board of Directors for the American Red Cross – Beaver Chapter, Beaver County Chamber of Commerce and the Beaver Area Chamber of Commerce. He is a member of the Beaver, Rochester, and Beaver County Chamber of Commerce, and a 4th degree member of the Knights of Columbus.

Tom is also a member of the prestigious “MDRT” (Million Dollar Round Table). Tom has earned Court of the Table and Top of the Table; distinguishing himself within the industry through their superior performance by producing at a level three times that of MDRT membership requirements. Achieving membership in MDRT’s Top of the Table is a career milestone attained only by those who have demonstrated exceptional professional knowledge, client service and ethical conduct. Million Dollar Round Table’s Top of the Table is an exclusive forum for the world’s most successful life insurance and financial services professionals.

As a Certified Life Coach, Tom works as an overall financial coach for his clients. Tom has been certified as a Human Behavior Consultant.

Tom is a charter member of the National Association of Insurance and Financial Advisors as well as a member of the Society of Financial Service Professionals.