How We Have Helped


Four Decades of Innovation in Optimizing Human Capital and Financial Resources

The History of Comprehensive Personal Financial Planning

In the spring of 1978 I was in Los Angeles with my then-boss John Hobbs, President of Jennison Associates. John ruminated on the saturation of the institutional market for professional money management services, and tossed off a suggestion of a new model to provide financial planning for the individual investor. His casual insight changed the course of my professional career.

James L. Joslin
James L. Joslin, Author

Boston: Steeped in the Culture of Active Money Management

In the early and mid-19th century, Boston's Clipper Ship owners and captains were equivalent to today's high net worth class, accumulating substantial wealth through their maritime trade activities. While spending extended periods in remote parts of the globe, agents in their home port were engaged to manage the financial affairs of their absentee principals. So began the evolution of the fiduciary role, the origins of the Boston Trustee, and "prudent man rule" of trustee conduct.

William Bradford Clipper Ship off Boston Lighthouse

The Inception of The Financial Collaborative

In the spring of 1980, five individuals of distinctly differing professional backgrounds met in an office on Union Wharf overlooking Boston harbor to discuss an innovative and disruptive personal financial services concept: apply formal, organizational, and long-range strategic planning techniques to the personal financial decision-making process and offer these services to high net worth individuals through a fee-only platform.

TFC founders: Jim Joslin (left), Fred Pryor (front), Gordon Snyder (back), Warner Henderson (right), Stephen O'Neil (not pictured)
TFC founders: Jim Joslin (left), Fred Pryor (front), Gordon Snyder (back), Warner Henderson (right), Stephen O'Neil (not pictured)

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