Thomas Harnish, AIF®
Retirement Strategies for University Faculty and Professionals
Wealthtender Community Connect helps people discover the best financial advisors for their individual needs through their favorite blogs and podcasts.
Click Here to Learn More
Retirement Strategies for University Faculty and Professionals
Areas of Focus
- Education Funding
- Employee Benefits
- Estate Planning
- Financial Life Planning
- Investment Management
- Retirement Income Planning
- Retirement Planning
- Social Security Optimization
- Tax-Efficient Planning
- Taxes
About Thomas Harnish, AIF®
I'm Tom.At Provision Wealth Planning, I specialize in guiding employees of Maine’s largest employers through their retirement planning journey.
My goal is to work alongside you and educate you so you can make informed decisions throughout your career. That includes how your career choices show up in your finances, navigating your benefits, and ultimately how you want your resources to support a life that’s meaningful to you, both along the way and when you step away from work.
With 27 years of experience, I’ve seen how different financial paths can look, even among people in similar roles within the same organization. Whether you're nearing retirement or just starting to think about it, I can help you navigate your retirement planning with confidence.
For employees of Maine’s largest employers, these are some of the questions I help answer every
day:
• Which investment options in my employer retirement plan are right for me?
• How do I make sense of multiple retirement accounts across different providers?
• Which benefits best support my long-term financial goals?
• Can I maintain my current lifestyle when I retire?
• How do I manage taxes in retirement?
• When should I access my retirement savings and investments?
• How can I provide an inheritance to my children?
• Should I consider a partial phased retirement?
I do this work because I care deeply about the people I serve across Maine. I am a native and longtime resident of Maine. Born in Bangor and raised in Winterport, I graduated from Hampden Academy and attended the University of Maine. My upbringing as a true “Mainer” is reflected in my focus on long-term, close relationships with clients and my commitment to the community.
Professional Designations
- Accredited Investment Fiduciary (AIF)
Primary Location
324 Harlow Street, Suite B, Bangor, ME 04401
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Based
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a complimentary introductory meeting. We start with a brief call to help us understand your goals and financial concerns. If our service offering aligns with your situation and goals, we'll schedule another call to take a deeper look together and begin your retirement planning process.Offers Investment Management
Yes
About Provision Wealth Planning
Provision Wealth Planning focuses on serving employees of the University of Maine system and Northern Light Health.These organizations play an important role in supporting their communities through education, research, patient care, and job creation. Their environments often come with strong but complex benefit structures and evolving career paths.
Over time, the firm has developed a deep understanding of how these systems work, allowing it to provide guidance that's grounded in the realities clients face day to day.
The firm's approach combines practical experience with specialized insights into employer-sponsored plans, ensuring clients receive comprehensive and ongoing support. Founder Tom Harnish, AIF®, holds the FINRA Series 6, 7, and 66 Securities Registrations through LPL Financial, and is licensed in Life, Health, and Variable Contracts. He received the Accredited Investment Fiduciary designation in 2014.
Advisory services offered through Northeast Planning Associates, Inc. (NPA), a registered investment adviser (RIA). Securities offered through LPL Financial (LPL), broker-dealer (BD) and member FINRA/SIPC. Credit union is not an RIA or BD. Insurance products offered through NPA, LPL, or its licensed affiliates. LPL registered representatives offer products and services using Provision Wealth Planning (PWP). These products and services offered through PWP, NPA, LPL, or their affiliates, which are separate entities from, and not affiliates of the credit union, are:
Not Insured by NCUA or Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value
Education
University of Maine
Hobbies and Interests
- Camping
- Cooking
- Family
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Dual Income Family
- Educators
- Gen X
- Government Employees
Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
We Want Your Voice to be Heard
Wealthtender exists to help people discover trusted and authentic financial professionals and educators who may be a good fit based on their unique needs and circumstances.
Your honest reviews help people decide which financial professionals and educators may be best suited to their individual needs.
The majority of people trust reviews as much as personal recommendations, so what you write in your review should reflect your own opinion and experience.
Tips for Writing a Helpful Review
Be descriptive. Instead of just saying what you like or dislike, share why. What have you enjoyed most or least about your experience with the provider? Have they helped you overcome a difficult financial challenge or strengthened your knowledge about particular money matters? The more details, the better!
Be honest. Your rating and review should reflect your actual experience.
Stay relevant. Ensure your review is helpful to others by avoiding off-topic discussions or personal opinions not relevant to your direct experience.
Make your review easy to read. Reviews should be readable to others. Use proper grammar, avoid excessive capitalization or punctuation, and be sure to check your spelling.
Be yourself. Don’t post as, or pretend to be, someone else, and do not say you’re associated with a person or organization with which you are not.
Be nice. Don’t write abusive, hateful, threatening, or harassing content. Avoid personal threats, hate speech, obscenities, or inflammatory language.
Respect the privacy of others. Don’t post information that can be used to identify another individual or compromise their privacy.
Report abuse. Thank you for helping us ensure reviews on Wealthtender are helpful to everyone. If you suspect possible violations of our guidelines or believe a review is inappropriate, please email [email protected] with a link to the provider’s profile, indicating the review in question and the reason you believe it violates our guidelines.
➡️ Are you reviewing a financial advisor? Learn more about Certified Advisor Reviews.
Disclaimers
Wealthtender reserves the right to remove reviews that violate its guidelines and/or regulations issued by the Federal Trade Commission, Securities and Exchange Commission, FINRA, and other regulatory agencies. Further, financial advisors are subject to individual firm policies and rules prescribed by federal and state regulators that may result in reviews being removed, not published, or potentially modified upon the documented request submitted by an advisor, compliance officer, or other firm professional to maintain compliance with federal and state regulations.
If you submit a review on Wealthtender, the Federal Trade Commission has issued guidance to ensure you always maintain the right and ability to request reviews be removed from any online review website, including Wealthtender. To request the removal of a review you submitted on Wealthtender, please send an email to [email protected] using the same email address you utilized when submitting the review. Please include in your email a link to the profile on Wealthtender where your review is published.
In addition to your review being published on Wealthtender, you acknowledge your review may also be published by your financial advisor on their website, social media accounts, and/or profile pages on other directory websites.
The reviews posted on Wealthtender are individual and subjective opinions. The opinions expressed in reviews are those of the reviewer and not of Wealthtender, Inc. Wealthtender does not endorse any of the opinions expressed by reviewers.
Please refer to the Wealthtender terms of service and privacy policy for additional information.
If you have questions or if we can assist with anything at all, please contact us by email at [email protected] or call us at (512) 540 – 3811.
Thank you for visiting Wealthtender and giving us the opportunity to serve you.
© 2024 Wealthtender, Inc.
