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Thomas P. Hyland  -  President
Thomas P. Hyland

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Tom Hyland was raised in Hazlet, NJ, graduating from Raritan High School with High Honors in 1982. Tom attended Rutgers University in New Brunswick, NJ on a full academic scholarship, graduating Cum Laude in May 1986 with a Bachelor of Arts degree in Communication and English.

Upon graduation, Tom began his 26 year career in financial services as a Senior Fixed Income Specialist with McLaughlin, Piven, Vogel, Inc. on Wall Street, later rising to the position of Vice President. Tom left the firm in early 1987 to launch his own independent Wealth Managment practice, which he has maintained for a select number of clients for the past 25 years, focusing on retirement planning for the emerging affluent.

Later in 1987, Tom joined Tomorrow’s Financial Services, Inc., now located in Lincroft, NJ, and was instrumental in the formation of its subsidiary broker dealer, TFS Securities, Inc. In 1989, he formed TFS Mortgage Corporation, a Correspondent Residential Mortgage Lender licensed in New Jersey, New York, and Florida. In 1990, TFS Insurance Agency was formed to further expand the insurance business at TFS. In 1995, he started TFS Income Tax Preparation Services to further expand the services of TFS. In 1997, Tom spearheaded the firm’s move into the asset management business with the creation of the Investment Advisory firm now known as TFS Advisory Services. He has served as President of each of these subsidiary companies since their formation, and has served as the President and Chief Marketing Officer for the parent company, Tomorrow’s Financial Services, Inc. since January of 1990.

During his tenure, Tom was integral in TFS’ emergence as a leading full-service wealth management and consulting firm, currently managing over 100,000 clients, serviced by 300 independent advisors nationwide. Over the years, he has directly or indirectly recruited, trained, managed and supervised over 500 independent financial advisors. Tom assists in the supervision of a 30 person staff that ensures smooth running back-office operations. He is primarily responsible for new product development, developing strategic alliances, marketing, advertising, firm-level recruitment, and product, sales, and technical training. Under his direction, the TFS sales force has grown 1000%, while production has increased 2500%.

Tom holds the FINRA Series 7, 63, 24, 27, 65, 53, & 79 registrations. He holds insurance producer licenses for Life, Health, Property & Casualty, and Annuities in NJ and at least 30 other states. He also holds the Mortgage Banker, Secondary Mortgage Banker, and Mortgage Originator licenses in NJ, NY and FL. Tom has appeared as an expert witness in numerous legal cases involving the financial services industry and is a frequent keynote speaker. He joined the Financial Planning Association in 1989, and has been recognized in “Who’s Who in the East”, “Who’s Who in America”, and “Who’s Who in Finance and Business”.

Tom has been a member of the Better Business Bureau, Chamber of Commerce, and Kiwanis Club. He sat on the Executive Board of the Cystic Fibrosis Foundation, and remains an active member of numerous charitable foundations. For over 25 years, Tom has remained extremely active in competitive youth sports, acting as a Coach, Commissioner, Vice President and Trustee for the Holmdel Youth Activities Association. He was also a coach for Holmdel Pop Warner Football and served as the Interim Head Coach for the Holmdel High School Football Team in 2005. He was General Manager of Holmdel American Legion Baseball and was the founder of the Holmdel High School Diamond Club. He has served as Vice Chairman of the Holmdel Township Recreation Advisory Council, and as the Volunteer President of the Holmdel High School Football and Cheerleading Parents Association. Tom is also a member of the Holmdel High School Booster Club, Wagner College Touchdown Club, and the Chestnut Hill College Athletic Club. While most of Tom’s leisure time has been happily devoted to coaching or watching his son’s sporting events over the years, he also enjoys classic cars, reading and playing the drums.

Robert Giarraffa  -  Portfolio Manager
Robert Giarraffa

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Robert Giarraffa attended St. John’s University in Queens, NY, graduating in 1968 with a Bachelor’s Degree in Chemistry. He began his career in the pharmaceutical industry, where he worked for 15 years. Bob was concurrently a member of the Army National Guard, from 1969 to 1976. He went on to attend Fairleigh Dickinson University, graduating in 1976 with an MBA in Finance.

Bob began his career in the financial industry as a Financial Advisor in 1978. He went on to found New Horizons Financial Services in 1982 and is an OSJ Principal with TFS Securities, Inc. in Lincroft, NJ. In 1993, he created Backdoor BudgetingSM, a Federally Registered method used to analyze cash flow for.

Bob developed and introduced Dynamic Asset Allocation Management to TFS Securities and has been the Lead Portfolio Manager for Innovative Market Trends (formerly TFS Portfolio Advisory) since its inception in 1996. Bob currently manages the Dynamic Asset Allocation Portfolios, the Buy/Hold Plus Portfolios, ESMAP Work Plan Portfolios and Variable Annuity Allocation Models.

Bob currently holds FINRA Series 1, 7, 24, 63 and 66 Securities Licenses and is licensed in over 30 states. He also holds Life and Health Insurance Licenses and is a Registered Investment Advisor Representative. He has been a member of the Financial Planning Association (formerly the International Association for Financial Planners) since 1983.

Bob sponsors and plays on the New Horizons Financial Services softball team. He enjoys playing ping-pong and pool, as well as designing Microsoft Excel programs and reading non-fiction books. Bob enjoys traveling and is an advocate of complementary medicine. In his hometown, he was a member of the Randolph Open Space Committee from 1999 to 2007 and is a member of the Randolph Chamber of Commerce.

Nicole Przybylko  -  Director Advisory Operations/Director of Corporate Finance
Nicole Przybylko

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Nicole joined Tomorrow’s Financial Services Inc. in June of 2007 after graduating from Rutgers University with a B.S. in Finance and a minor in psychology. As an Operations Coordinator for TFS Securities, her responsibilities are many and varied. Nicole is responsible for the handling and oversight for all of our Direct Mutual Fund and Annuity business. She is also responsible for assisting with the daily brokerage operations. Always available for representative assistance, Nicole is hands on when it come to assisting in the on boarding and transition of newly signed registered representatives. Nicole is also the Operations Coordinator of Innovative Market Trends, our proprietary actively management platform. As IMT’s Coordinator, Nicole helps run daily operations, including trading, account reviews and other administrative tasks. Nicole’s designations include General Securities Representative, General Securities Principal, Registered Options Principal, Financial & Operations Principal, and Municipal Securities Principal.

Tammy Case  -  Vice President and Chief Compliance Officer
Tammy Case

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Tammy joined Tomorrow’s Financial Services, Inc., in December 2003. Tammy brings to TFS Securities, Inc., 13 years of investment related experience. As a Financial Services professional with a well-rounded career history that encompasses all aspects of the investment industry, Tammy has a proven track record of success in areas of sales support, operations, management and compliance. Prior to joining TFS, Tammy was a manager for Prudential Investments where she developed, created and implemented an Operations / Research team designed to support internal and external wholesalers nationwide. As a Sr. Operations Coordinator, Tammy is responsible for overseeing the daily activities of the broker dealer operations as well as the compliance team. Tammy is also responsible for training and developing staff, all aspects of compliance, conducting audits for independent advisors, and legal. Tammy’s designations include General Securities Representative and General Securities Principal.

Jennette Fraler  -  Operations Coordinator
Jennette Fraler

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Currently residing in Sayreville, Jennette joined Tomorrow’s Financial Services, Inc. in 2000 and serves as Operations Coordinator for Pershing, our Brokerage Platform. An integral part of the TFS Securities team, Jennette handles the daily operations for Pershing. Overseeing the opening of accounts, trading, asset movement, and account reviews, Jennette is our primary contact for all things Pershing related. In addition to making sure that trade requests are processed in a timely manner, some of her many responsibilities include assisting representatives in all areas relevant to Pershing . Quick to provide detailed advice ranging from every day account transactions to the on boarding and transition of newly signed registered representatives, Jennette’s in-depth knowledge of the platform and complete understanding of NetExPro’s functionality make her a valuable asset to our Registered Reps. Her designations include General Securities Representative, General Securities Principal, Municipal Securities Principal, Financial and Operations Principal.

Thomas P. Hyland
732-758-9300 x145
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Robert Giarraffa
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Nicole Przybylko
732-758-9300 x133
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Tammy Case
732-758-9300 x128
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Jennette Fraler
732-758-9300 x140
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