Born in Lodi, New Jersey to Tom Gatto, a truck driver and Anne (Spallina) Gatto, a clerical worker. Raised in a traditional east coast Italian home, Tom was a high school athlete. He attended William Paterson College, now University and received his Bachelor Degree in Criminal Justice pursuing a career in law enforcement. Tom worked for the United States Secret Service in 1977 and 1978 for President Jimmy Carter. He then left Washington to continue his career as a police officer in New Jersey.
In 1984, while working as a Lodi police officer, he received his graduate degree, a Masters in Urban Education and Community Affairs. He is a qualified police academy instructor and had worked in many aspects of law enforcement. In 1986, Tom left the department to pursue a career in financial planning, moving to California in 1987 to start his practice.
He always had a desire to write and wrote an original story, now a screenplay called "The Angel Lounge". This story based on the true events of