Partner with Tom and join the Homebuyer Advisors, True Loyal Agent™ Network of independently owned real estate companies by joining Homebuyer Advisors LLC as an agent or associate broker first and then if desired start your own affiliate brokerage as a partner with Tom.

Welcome existing real estate licensees or those interested in becoming a real estate licensee in Massachusetts. I am offering a unique opportunity for the right individual(s) or teams to partner with me to start their own affiliated real estate brokerage in Massachusetts. We have provided below an overview of our philosophy and approach to real estate.

As broker/owner of Homebuyer Advisors LLC, my vision is for Massachusetts Homebuyers to have access to True Loyal Agents™ in every town throughout Massachusetts.  I am willing to hire agents to act as exclusive buyer agents with my company and for those who want more, I’ll help you start your own affiliated brokerage.

What is a True Loyal Agent™?

I’ve coined, and trademarked the phrase, “True Loyal Agent™”, to distinguish a real estate licensee who is with a company that represents real estate consumers as true fiduciary agents from the traditional real estate licensee/salesperson who is with a company that practices dual or designated agency.



True Loyal Agents™ provide full fiduciary duties at all times and in every situation. This is the mark of a true agent. Traditional real estate agent training rarely includes information about the common law of agency or what it means to be an agent. In our case, the homebuyer is our client, also known as the principal. The real estate licensee is the agent. The fiduciary duties owed to a homebuyer by such an agent are known by the acronym “OLD CAR”:

  • Obedience to Lawful Instruction;
  • Undivided Loyalty;
  • Full Disclosure of Material Information;
  • Confidentiality;
  • Accounting;
  • Reasonable Skill and Care.

A True Loyal Agent™ will protect homebuyers from making mistakes in the homebuying process as their legal duty is to protect a homebuyer from harm and to look out for their best interest at all times and in every situation.

A True Loyal Agent™ never attempts to represent both a seller and a buyer in the same transaction as a dual or designated agent or facilitator, all of which are forms of disloyalty.

Designated agency as practiced by the traditional real estate industry in Massachusetts is actually “undisclosed dual agency”, which can be considered an act of fraud. has numerous posts we invite you to read to gain a greater understanding on this matter, such as “From the Traditional Real Estate Industry – Silence” and Designated Agency – Is It Fraud? Interestingly, in my own experience with the traditional real estate industry’s Massachusetts Legal Hot Line, I was met with silence when questioning whether a designated agent could provide undivided loyalty in relation to the recently revised agency disclosure form.

There currently are dozens of True Loyal Agents™ operating in and around Boston, the North Shore and South Shore and Cape Cod areas. My goal is to expand into central and western Massachusetts and the more rural areas of Massachusetts where such service isn’t readily available.

After 45 years as a full-time real estate broker, I feel the best way to grow is by finding, inspiring, training and mentoring qualified real estate licensees to eventually start their own real estate businesses. We are interested in pursuing opportunities to partner and open a new exclusive buyers brokerage in your area. Whether you have an existing broker’s license or not, we can work together to coordinate the finer details.  Start by working for me and then, if and when you are ready, we can jointly form a new affiliated Homebuyer Advisors brokerage that you would operate going forward.  Owning your own brokerage as an independent contractor is a major decision– one that involves commitment and determination. My vision is to help real estate licensees who are eager for personal growth and who want to own their own profitable real estate company but need the additional guidance to do so.

With 45+ years of full-time real estate brokerage and broker owner experience and 25+ years of full-time representation of homebuyers only, I am excited to mentor and partner with you so that you can reap benefits above and beyond what the typical traditional real estate industry brokerage has to offer.  Exclusive buyer representation is a very satisfying way to differentiate yourself from the traditional real estate industry salesperson. Exclusive buyer representation doesn’t involve knocking on doors, cold calls, pop-bys, hounding FSBOs or expired listings. Buyers seek us out due to our positioning as Homebuyer Protectors™.

I am passionate about providing absolute, no excuses, true representation of homebuyers and thus my dedication to the philosophy behind the True Loyal Agent™.

Having been in the real estate business full time for over 45 years with the last 25 years as an exclusive buyer agent, I can recall when listings were on 3 x 5 cards stored in a shoebox style storage bin. We received new cards once a week that required replacing expired cards with new ones by hand. Every two weeks, a telephone directory-sized MLS book would arrive and we guarded it with our life! Technology eventually changed the landscape– from fax machines to thermal printers that gave us the ability to print out MLS listings.

Fast forward to today and all the technology we now have, and it seems like I started in the dinosaur age. Regardless of my fondness for what I do, I absolutely disapprove of all that the traditional real estate industry stands for–due solely to the industry’s abandonment of true fiduciary representation of clients. I’ve written the following blog posts that provide insight into this unfortunate industry reputation: So What Went Wrong? What Were They Thinking? And Stop Calling Yourselves “Agents”!

The deeply ingrained sales culture of the traditional real estate industry creates what “How to Defeat Mega Agents” and “Broken Industry” author Ryan Fletcher refers to as the low-information agent. From Ryan Fletcher: “It’s an unfortunate truth, but ‘The Guru Party,’ made up of; the trainers, brokers & endless supply of coaches—and what they teach—are the architects responsible for bankrupting the real estate industry of trust. Because of them, the term “real estate agent” in the eyes of society has become a stain on your reputation.”


odjective: “Having or showing a rational, modern, and well-informed outlook.”
Synonyms: “Informed, well informed, aware, open-minded, broad-minded, educated, knowledgeable, wise.”

So are you an “enlightened agent” or as Ryan refers to the traditional real estate industry licensee/salesperson, a “Low-information Agent”?
Twenty-five years ago I became an “enlightened agent”. It was at a time when the industry was in transition.

The FTC had published a survey that showed 70% of buyers thought the agent showing them homes represented them and about the same percentage of sellers thought the same as well. However, in the 1980’s and for 100+ years prior to that nearly all real estate licensees represented the seller and treated the buyer as a customer, not a client. The agents showing homes to the buyers were sub-agents of the seller.

Agency disclosures in nearly all states was the result. Real estate licensees had to decide who they would represent and disclose that to the buyer and seller and get their written agreement that they received the disclosure.
But a problem arose with this – the inhouse deal where one or more agents in the same real estate brokerage were trying to represent both a buyer and a seller on the same transaction. This violates the common law principle that has endured for hundreds of years that one cannot serve two masters.

Up until that time I was a traditional agent working with sellers and buyers and often with buyers on homes that I had listed. I started to question what I was doing and once the whole representation disclosure notice came into being I knew I couldn’t continue representing buyers and sellers against one another in the same transaction.

So, I started representing buyers only and never, ever compromising my representation with one of the made-up forms of agency such as transaction brokerage, facilitator, dual agent and worst of all – designated agent.

I successfully represented homebuyers only in the Greater Rochester, NY area for the next 15 years helping hundreds of buyers obtain their dream of owning their own home. After selling the business to two of my agents, I took some time off from the real estate business.

I spent nearly three years living and working in Lake Placid, NY as a nature photographer and custom picture framer and Giclée’ custom printer. Despite that rewarding adventure, real estate was in my bones and I moved to the Albany, NY area to rekindle my real estate passion and buyer only real estate business interest. I ran my own very successful real estate business there for several years before moving ten years ago to the Orange, MA area where I live today.

I semi-retired several years ago and bought a boat with my significant other with the thought of living aboard. We spent winters aboard the boat in Florida as living in Massachusetts and getting away for three or four months during the winter was appealing. That was until I was diagnosed with cancer in December 2015.

We stayed in Massachusetts for the radiation and chemotherapy treatments and by April 2016, I was diagnosed as cancer-free. However, I was not out of the woods. During my return drive from Florida, I was sidelined again by a mild stroke that kept me in a Richmond, VA hospital for a week.

During my recovery, I read one of Brendon Bouchard’s books–and his words started ringing in my ears, “Did I love, Did I live, Did I matter”. When one experiences a potential life-threatening health issue (or two) like I did, Brendon’s words make a whole lot of sense. I certainly had loved. I definitely had lived. I believe I did matter. But…in my heart I knew I perhaps could do more and make a bigger impact.

In a sense I had become content with my results, complacent and comfortable with my previous real estate businesses and experience. However, something had been irritating me for a long time. Why don’t real estate buyers in particular and sellers take more time to understand the real estate industry and the deeply ingrained sales culture that it has spurred and realize that they are constantly putting themselves into situations where they are vulnerable to getting short-changed?

I had tried my best as had several hundred of my enlightened, caring peers to teach and educate buyers to the perils of the traditional real estate industry’s tactics and that we offer the alternative of true exclusive representation. But my colleagues had also gotten comfortable. They had an excellent business model and for the most part found enough homebuyers to make a good living.

I was a founding member of NAEBA, the National Association of Exclusive Buyer Agents. I was their national president in 2003 and have served on the BOD in various capacities on and off for the last 20 years. We have less members today then we did when we started 20+ years ago. Our voices were and continue to be drowned out by the traditional real estate industry which offers buyer agency in name only as a bait and switch on unsuspecting and trusting buyers.

Yearning to somehow make a greater impact with home buyers, and becoming restless with boat living, Massachusetts became my home once again. I obtained my broker’s license in MA and started representing homebuyers again– only this time, with my own company.

I rejoined the BOD of NAEBA and another statewide organization, MABA, the Massachusetts Association of Buyer Agents. I wrote my own book for MA homebuyers warning them of the deception in MA. The book, “Massachusetts Homebuyers Beware! The Cards are Stacked Against You,” is available at a discount with free shipping on this website.

Also, at the same time, NAEBA was approached by Joe Cummins, the author of a bestselling homebuying book last published 18 years ago, called “Not One Dollar More. How to Save $3,000 to $30,000 When You Buy Your Next Home.”  I jumped at the chance when Joe asked that I co-author a third edition. Around the same time my own book came out, so did his revised book with my name also on the cover as a collaborating author. It was an honor to be involved gratis with his book¬– in fact, I probably would have paid him to be involved.

So what’s next for this seasoned homebuying author and real estate professional?  My goal is to hire licensed agents and associate brokers to expand Homebuyer Advisors LLC and our exclusive buyer agent reach throughout cities and towns across Massachusetts and eventually all New England states.  For those agents and brokers who want to take their career to another level, I will help them to become their own business owners representing buyers only. In other words, build a Homebuyer Advisors, True Loyal Agent™ Network of independently owned real estate companies.  I am willing to partner with others to establish independent exclusive buyer agencies throughout MA and New England.

My vision is to lead a team of like-minded individuals who are committed to building the largest exclusive buyer agency network of brokerages in the country. Let’s bring true representation of homebuyers back to the real estate industry in Massachusetts as a team.

Want to learn more? If you are interested in joining Homebuyer Advisors LLC or owning your own exclusive buyer agency brokerage, and are committed to growth, I’d love to hear from you. Please email me or call 1-800-383-8322 to discuss further. All inquiries are held in strictest confidence.

“We are passionate about and committed to protecting people from the pitfalls of buying a home; paying too much, buying the wrong home, buying a money pit, being deceived by sales tactics or unknowingly being short-changed.”

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