Tom Johnson Jr. is a consultant to Retirement Clearinghouse.  A financial services industry veteran of more than 45 years, Johnson previously was SVP and head of Business Development for New York Life’s Retirement Income Security business, where he was responsible for developing and leading New York Life’s strategy with regard to guarantees in retirement plans and rollover IRAs. Prior to New York Life, Johnson was with MassMutual for 12 years, most recently as head of Business Development for the company’s Retirement Income Business. Johnson began his career at The Johnson Companies, a benefits consulting firm, recognized as the birthplace of the 401(k) savings plan.