Tom has worked in financial services since 1986. For 18 years he was head of policy and lead pensions spokesman for the investment platform Hargreaves Lansdown. During this time, he was a frequent contributor to media and policy discussions and analysis of pensions. In 2021 Tom conducted an external review of the Money and Pensions Service on behalf of the DWP. He has worked for the lang cat since 2021. In 2022 Tom authored an award-winning report on the Equity Release sector, titled House Rules.