Thomas W. Spray-Fry


Financial Planner

About Thomas W. Spray-Fry

Thomas Spray-Fry, CFP®, CLU®, CRPC®, has been affiliated with Lincoln Financial Advisors as a Financial Planner since 2000. His dedication has earned him President’s Cabinet status and a position in The Resource group, an elite group within Lincoln Financial Advisors honoring the top 200 planners.

Tom is passionate about his family and serving his Maryland community. He was born and raised in Chestertown on Maryland’s Eastern Shore. He currently lives in Phoenix, MD with his wife, Jessica (who owns a local law firm and a title company), his sons (Ben and Luke), and their dog, Barney. In his personal time, you’ll find Tom on the sidelines of his sons’ sports teams helping to coach, listening to Dave Matthews Band, or spending quality time at the beach with his wife.

Meet Thomas

  • Chartered Financial Consultant® (ChFC®)
  • Chartered Life Underwriter (CLU®)
  • Chartered Retirement Planning Counselor (CRPC®)
  • FINRA Series 7 and 66 registered
  • Life and Health insurance registered
  • Financial Times – Top 401 Advisor (2015, 2016)*
  • York College of Pennsylvania – Year of Fifty Spartans Award

*The Financial Times 401 Top Retirement Plan Advisors is an independent listing produced by the Financial Times and is based on data gathered from financial advisors, regulatory disclosures, and the FT’s research. The listing reflects each advisor’s status in seven primary areas, including DC plan assets under management, growth in DC plan business, specialization in DC plan business, and other factors. This award does not evaluate the quality of services provided to clients and is not indicative of this advisor’s future performance. Neither the advisors nor their parent firms pay a fee to Financial Times in exchange for inclusion. 

  • B.S., York College of Pennsylvania
Community Involvement
  • Franciscan Center of Baltimore (Board Member)
  • Spartan Advance-York College of Pennsylvania (Board Member)
  • York College of Pennsylvania Men’s Lacrosse Team
Thomas W. Spray-Fry's Team
Mark Rich

Mark Rich

Client Relationship Manager

Andrew Shaffer

Andrew Shaffer

Client Relationship Manager

Primary Clients or Industries

Small Businesses


Widows and Divorcees

Middle Class and Mass Affluent Families

Primary Service Areas

Comprehensive financial planning

Retirement planning for individuals

Qualified retirement plans small organizations (for profit and not-for-profit)

Investment planning



307 International Circle, Suite 390 Hunt Valley, MD 21030