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.

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®)
  • Series 7 and 66 registered
  • Life and Health insurance licensed
  • 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
  • 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.  Thomas Spray-Fry applied or this award.  Neither the advisors nor their parent firms paid a fee to Financial Times in exchange for inclusion or promotion.  This award was independently granted and did not require a membership.

The Year of Fifty Spartans Award is independently produced by the York College of Pennsylvania and is based on outstanding alumni who have demonstrated dedication, excellence, professional achievement, and most importantly, a commitment to staying engaged with York College after graduating. Tom Spray-Fry has been nominated for this award. Heritage nor its advisors or their parent firm have paid any fee for the nomination, promotion or receipt of this award.  This award was independently granted and a membership in an organization was not required.

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