Broker Check

Our Team

FlagStone Retirement Consultants is made up of individuals with unique skill sets. We consult on investment recommendations, we transition employees into retirement and we assist them with life events that occur in retirement.

Experience has taught us that a retirement plan is ever changing; we can plan for the big events such as weddings and a home sale. What we need to really pay attention to is the “little things” like medical prescription costs, energy costs, and insurance premium increases to name a few. These “little things “ may affect your bottom line budget, and are not going to be offset by social security cost of living adjustments.

At FlagStone we realize that our clients’ needs can and will change and are experienced in how to handle those needs.

Our team approach adds perspective to all we do and provides increased benefits to our clients.

Meet Our Team

Mike Vaules

Registered Principal/Owner



“I began my career with a large wire house servicing my clients on a verity of financial needs. What I realized was the best way to service clients was to focus in on one area and become the specialist on one topic…Understanding corporate pension and savings plans and guiding individuals from employee to retiree, running FlagStone Retirement Consultants allows me to do just that, providing sound advice that is in the client’s best interest now and for the future. As wealth transitions to the next generation, the need for proper legacy planning and understanding is even more important.”

Mike is a graduate of St. Joseph’s University, where he earned a bachelor’s degree in Finance, before entering the financial service industry in 1998. He has stayed current in his profession by attending and speaking at workshops, constantly doing research, and writing articles for industry journals.

Mike has extensive experience working on a national level specializing in educating employees about how their pension and savings plans work and transitioning employees of large corporations into retirement. He also has developed a strong practice around trust accounts and strategies to pass on generational wealth.

A passionate outdoorsman, Mike enjoys boating, fishing, skiing and traveling. He resides in Ocean City, NJ with his wife and two children. “After spending several years away from home for work, it is a great feeling to live in this outstanding community, work close to home and being able to spend time with my family”

Thomas F. Sylvestro

Financial Advisor, Registered Representative



“I have always had a passion for the investment industry and in 2001 I was fortunate enough to enter into this industry and become a Registered Representative. I have been very diligent and focused on learning about and ultimately specializing in corporate pension and savings plans. I’ve recognized very early on that it is not realistic to be all things to all people and feel I can better serve clientele by working hard to become a specialist on certain targeted topics. I link my belief system to the medical field; after all you wouldn’t go to one doctor for every ailment, you would seek out a specialist.”

Tom has worked in the financial services industry in both a retail and wholesale capacity since 1995. Tom utilizes his excellent organizational and analytical skills to provide superior service to his clientele. Tom started out working in the financial industry assisting individuals to obtain financing for new home purchases, and the refinancing of their existing home. He also spent some time in the wholesale industry where he was able to help and educate other mortgage brokers provide the best solutions for their clientele.

Tom has spent the last 13 years traveling around the tri-state area conducting educational workshops on multiple subjects. Some of the topics include: Retirement Planning, Social Security Benefits, IRA’s, Roth IRA Conversions, 401k Rollovers, Retirement Income Distribution Planning including 72(t) withdraws, Understanding your Credit Score and Estate Planning Basics.

Tom resides in Marlton, NJ with his wife Danielle and his two children. Tom is very passionate about living a healthy life style. You can always find Tom outside at the crack of Dawn either riding his road bike or going for run with some friends. However, Tom is the happiest when he is outside in the yard playing with his children.