Our Story
From his start at Wall Street Camp at 16 to the cover of the Wall Street Journal, Tom Anderson has built a career helping people rethink debt and design stronger financial futures.
Today, through companies, platforms, and thought leadership, his work touches wealth management at nearly every level—sometimes in small ways, sometimes in transformative ones—impacting the firms and advisors who serve the world’s wealthiest clients.
Get to
Know Tom
Thomas J. Anderson is a financial services executive, fintech entrepreneur, and best-selling author recognized as a leading authority on integrating wealth management with banking solutions.
His ventures provide comprehensive solutions for individuals, advisors, and enterprises.
Through FreeFinancialPlan.com and AIFinancialPlanning.com, tens of thousands of people have completed financial plans, giving Anderson one of the industry’s richest datasets on household cash, debt, stress, and asset behavior.
He is the author of four books, including the New York Times and USA Today best-selling Value of Debt® series, and is consistently ranked among the top speakers at wealth management and banking conferences.
Anderson is also the creator of Spiral Theory™, a framework that integrates the “quantity of money” into Modern Portfolio Theory, reframing leverage as a disciplined tool for managing risk and improving outcomes.
He has been featured in The Wall Street Journal, New York Times, Financial Times, Bloomberg, Forbes, Fox Business, CNBC, and more.
Earlier in his career, he was a five-time Barron’s Top 1200 Financial Advisor, an On Wall Street “40 Under 40,” and an Executive Director at Morgan Stanley Wealth Management, where he managed $1 billion in client assets.
He holds an MBA from the University of Chicago and a BSBA from Washington University in St. Louis.
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1987: Tom's mother becomes a financial advisor
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1991: "Wall Street Camp" (Washington Workshops Wall Street Seminar)
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1996: Graduates Washington University in St. Louis. Begins career in Investment Banking
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2002: Joins Merrill Lynch as a Financial Advisor
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2003: First "Value of Debt" presentation to advisors
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2005: MBA From the University of Chicago
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2011: Joins Morgan Stanley
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2013: The Value of Debt® is released
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2014: Founds Supernova Companies
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2015: Tom funds Supernova's first loan with his own money to prove the technology
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2016: Tom transitions from Morgan Stanley to Supernova full time
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2017: $100 million in balances
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2018: Becomes Executive Chairman of Supernova
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2019: Thomas J. Anderson Consulting, LLC is formed
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2020: Anasova is Incorporated
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2024: Spiral Theory™ is written
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2025: AIFinancialPlanning.com goes live. Outcome-Based planning is created.
What we offer
We invest in companies, brands, and ideas that advance Balance Sheet Architecture. By uniting assets and liabilities into a single framework, our portfolio delivers solutions that reduce risk, enhance outcomes, and reshape how individuals, advisors, and institutions build wealth.
35,000+ five-star reviews. Build a plan with 99.99% confidence of reaching your goals.
Unlock new possibilities when assets and liabilities are designed to work together.
Tens of thousands of advisors can access our marketplace to connect with a steady stream of individuals seeking new ideas and better advice.
Trusted by leading firms for advisor training, custom content, and expert opinion letters.
The industry leader in securities-based lending technology—loan origination, collateral monitoring, and payment processing. Fund the loans or connect to our ecosystem.
New York Times bestselling books, whitepapers, and Spiral Theory™—a breakthrough framework on how the quantity of money shapes financial outcomes.
Today, This Is Us In Numbers
Billions
Of dollars of loans originated
Millions
In recurring revenue
Thousands
Of advisors coached & trained
Hundreds
Articles, videos, podcasts
Dozens
Quotes in major press around the world
4
Books published by Wiley
1
Economic Theory
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