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Tom O'Neill began their career in 1998 as a Financial Representative at Northwestern Mutual, where they achieved several awards and was selected for the "Agents into Management" program. Tom subsequently joined AXA Advisors/The MONY Group in 2002 as a Vice President, overseeing the training program for new associates. In 2006, they joined The Hartford as a Senior Account Executive, responsible for sales of Individual Life Insurance products. In 2013, Tom joined Prudential Financial, initially as a Regional Vice President and later as a Divisional Vice President, focusing on Institutional Distribution. Most recently, in 2023, they joined Saybrus Partners as a Divisional Vice President.

Tom O'Neill attended Western Illinois University from 1995 to 1999, where they pursued a Bachelor of Business degree with a concentration in Economics.