Thomas P. Freismuth, CLU, ChFC, AIF®

Thomas Freismuth 
Hub International
Insurance Services Inc.
2262 Carmel Valley Road
Del Mar, CA 92014
Office: (858)792-1400
Fax: (858)792-7985
Toll Free: (800)792-0006
Email: thom.freismuth

Executive Vice President

Thom Freismuth has been awarded the Accredited Investment Fiduciary® (or AIF®) professional designation from Fiduciary 360, an organizaton offering training, tools and resources to promote a culture of fiduciary responsibility and improve the decision-making process of fiduciaries. The AIF® designation signifies knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care. AIF® Designees have successfully completed a specialized program on investment fiduciary standards of care. Fi360 Training began in 1999 to provide the investment industry with the first full-time training and research organization focused exclusively on investment fiduciary responsibility and portfolio management.

The Value of Working with an Accredited Investment Fiduciary® or AIF® 

A "fiduciary" is someone who is managing the assets of another person and stands in a special relationship of trust, confidence, and/or legal responsibility. A fiduciary is required by law to always act in the best interests of their client, beneficiary, or retirement plan participant.

AIF® Designees have acquired a thorough knowledge of fiduciary responsibility and can be an invaluable resource to investment fiduciaries of 401(k) and 403(b) Retirement Plans and individual investors alike. An AIF® designation represents that person's knowledge of a Global Fiduciary Standard of Excellence and their application of the global standard into their own practice.

AIF® Designees have the training necessary to ensure that an investment process is managed to an appropriate fiduciary standard of care.

Prior Background 

Thom has more than 40 years of experience as a benefits consultant with a primary emphasis in executive compensation programs. Over the years, Thom has earned many awards and is a member of several professional societies. He is a Life Member in the Million Dollar Round Table, and he is included in the Top of the Table Forum for top-producing independent insurance executives.

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. These MDRT members are committed to providing exemplary client service while displaying the highest standards of ethics and professional knowledge. Top of the Table members exchange advanced sales and productivity ideas and develop interpersonal relationships among an international network of leading insurance and investment financial services producers/advisors. All are members of MDRT, The Premier Association of Financial Professionals, and have distinguished themselves by producing at a level six times that of MDRT membership requirements. Members with a minimum of 10 years of Top of the Table membership may attest to their production or apply without production under the Top of the Table waiver provision with payment of the required Top of the Table dues. This recognition is not representative of any investment performance or returns.

 Professional Accomplishments 

  • Chartered Life Underwriter (CLU)
  • Chartered Financial Consultant (ChFC)
  • Accredited Investment Fiduciary® (or AIF®)

 Member of:

  • The Million Dollar Round Table
  • The Business Health Institute
  • Association of Life Underwriters
  • Chartered Life Underwriters Association
  • Association of Chartered Financial Consultants
  • American Association of Long Term Care Specialists
  • The Global Association of Risk Professionals (GARP)
  • San Diego Forum
  • White House Group
  • Financial Executives International
  • Advantage Healthcare Colleagues of America
  • Health Executives Network
  • Medicare Advantage Health Plan Colleagues
  • Schegg HR Networking Group
  • The American College Moderator for LUTCF
  • Healthcare Exchange
  • Insurance Industry Executives
  • National Association of Plan Advisors (NAPA)
  • American Society of Pension Professionals & Actuaries (ASPPA)

Areas of Insurance Expertise

Employee Benefits

  • Traditional Medical, Dental & Vision Insurance
  • Consumer Driven Healthcare Plans
  • Life & Disability
  • Voluntary & Ancillary
  • Executive & Carve Out Plans
  • Employee Assistance Programs
  • Business Travel Accident Coverage
  • Health & Wellness Programs
  • Section 125 Cafeteria Plans
  • Long Term Care

Retirement Services

  • Qualified Retirement Plans
  • Executive Bonus Programs
  • Nonqualified Deferred Compensation Plans
  • Business Continuation Planning
  • Distribution Planning Support

Global Consulting

  • International Benefit Plan Consulting
  • Expatriate, Local & Third Country National Solutions
  • Multinational Pooling
  • Legal Entity & Employment Contracts
  • Single Platform Payroll Solutions
  • Accounting Services
  • Human Resource Outsourcing
  • Executive Recruiting

Individual & Personal Insurance

  • Individual & Family Health Plans
  • Life & Disability Insurance
  • Medicare Part D & Supplemental Plans
  • Healthy Families
Representative of Cambridge Investment Research Inc. Securities and investment advisory services offered through Cambridge Investment Research, Inc., Member FINRA/SIPC. Registered with HUB International Investment Services, Inc., Member FINRA and SIPC. Cambridge Investment Research, Inc. is not affiliated with HUB International Investment Services.