Thomas Howard Waters, Monmouth Beach, died Sunday, November 8th, at home. Tom was born February 13, 1965 at Margaret Hague Hospital in Jersey City, NJ and lived in Rumson, Sea Bright and Manhattan before taking residence in Monmouth Beach. Tom graduated from Rumson Fair Haven Regional High School in 1983 and from George Washington University with a Bachelor of Science in Business Administration in 1987. While at George Washington University, Tom was a member of Delta Tau Delta fraternity. He loved to sail and was an accomplished competitor as a youth at the Shrewsbury Sailing and Yacht Club. Tom also loved to ski, always willing to take challenges and dares on the slopes with friends and family. He was a communicant of Star of the Sea RC Church, Christ the King Parish, Long Branch. A social soul, Tom had an unforgettable smile, a contagious laugh, an effervescent personality, and a twinkle of fun and mischief in his eye. He was a true, loyal and trustworthy friend, well loved by everyone. Tom started his career in Financial Services with Roman Friedrich & Co in New York, in Mergers & Acquisitions. He moved to Leveraged Funding at Heller Financial before taking a Corporate Financial Analysis and planning role at American Express Company. Tom also worked for several years at Caligo Limited in Ocean, NJ as a Senior Financial Analyst before opening his own consulting business, Thomas H. Waters & Associates where he offered benefits and accounting advisory services. In his most recent capacity he served as Comptroller for a consortium of manufacturing businesses. Tom was predeceased by his father, Leighton Kinsley Waters and his sister, Edna Mae Waters. Tom is survived by his mother, Anita Green Waters of Monmouth Beach; his brother Leighton and his wife Liz of Rumson and their two children, Leighton and Elizabeth Waters: his sister Anita and her husband Steve of Little Silver and their three children, Amelia, Sophie and Penelope Buchanan; and his aunt, Gail Amelia Green of West Palm Beach, Fl. Tom will be missed by his friends and family but the moments shared with him during his short life will be treasured in our hearts and memories forever. The memorial service and interment will be private. Woolley Funeral Home, Long Branch is in charge of arrangements. Given his deep and enduring love of sailing and life on the Shrewsbury River, memorial contributions can be made to the Shrewsbury Sailing & Yacht Club, PO Box 34, Little Silver, N.J. 07739. You may light a candle with your thoughts and memories on the opposite page.