Paul Thomas Croft is an accomplished entrepreneur, thought leader, and devoted father whose story is one of resilience, innovation, and service. Based in Chicago, Paul has spent his career building companies that transform challenges into opportunities—ranging from finance and insurance to renewable energy, real estate, and hospitality. His legacy reflects a rare combination of strategic vision, entrepreneurial grit, and faith-led purpose.


Early Life and Resilience

Paul grew up in Two Harbors, Minnesota, where he quickly stood out for his leadership, academics, and athletic ability. Hockey was his first passion, and by his early teens, he was already considered one of the top young players across Minnesota, North Dakota, and South Dakota. At just 14, he joined the varsity team, and by 15, he was ranked among the top 30 players in the tri-state region.

His athletic dreams took a dramatic turn when, at age 16, he suffered a devastating injury that fractured his L2 and L3 vertebrae. Doctors questioned whether he would ever skate again. Yet, true to his resilient spirit, Paul fought his way back, relearning how to skate and proving his determination by being recruited at 17 to play hockey at the Air Force Academy. This chapter of his life instilled in him the values of persistence and perseverance—qualities that would define his career as an entrepreneur.


Education and Early Recognition

Paul pursued higher education at the **University of Minnesota Duluth**, where he studied *Industrial Engineering and Business*. His time at UMD deepened his understanding of problem-solving and efficiency—skills that would later prove invaluable in business.

He later continued his academic journey at the **University of North Dakota**, majoring in *General Studies, Accounting, and Business*. While at UND, Paul distinguished himself as a standout talent in financial services. As a Northwestern Mutual intern, he earned recognition as one of the top financial interns in the nation—ranking **#6 out of 1,500 interns** and being featured in *USA Today*. This honor validated his ability to combine analytical skills, client-focused service, and leadership—a foundation that shaped his entrepreneurial path.


Founding Croft Enterprises, LLC

In 2008, at just 27 years old, Paul founded **Croft Enterprises, LLC** during one of the worst economic downturns in U.S. history. Where many saw only risk, Paul saw opportunity. He began with a modest tax practice of just 37 clients, guided by the belief that creating value for others would lead to long-term success.

Croft Enterprises grew rapidly under his leadership. By 2017, the firm had expanded across multiple U.S. cities, serving thousands of clients. Today, the company offers a full range of services, including:

* Tax consulting, planning, and resolution
* Business entity formation and consulting
* Financial consulting and goal-setting
* Life insurance and annuities
* Residential and commercial real estate services
* Marketing and back-office support, including payroll solutions

Through Croft Enterprises, Paul built a trusted platform for individuals and businesses seeking financial stability and growth, proving that resilience and value creation are the keys to success in any economy.


Expanding into Green Energy and Financial Security

Paul’s entrepreneurial vision extended beyond finance. Recognizing the urgent global need for sustainability, he founded **Rhino Onward International (ROI)**, a company dedicated to renewable energy solutions. ROI specializes in concentrated solar power, green hydrogen, and water desalination, with the mission of empowering clients to achieve their decarbonization goals. Paul’s aim is to position ROI as a global leader in green energy innovation, merging profitability with environmental responsibility.

At the same time, Paul launched **Emerald Life, Inc.**, where he serves as Founder, Executive Chairman, and CEO. Emerald Life provides individuals and businesses with life insurance, disability insurance, annuities, and financial consulting. Under Paul’s leadership, Emerald Life is not just about selling products but about helping clients protect their futures and achieve peace of mind.


Hospitality and Lifestyle Ventures

Demonstrating his versatility, Paul also invested in hospitality. He became a partner in **Komo Chicago**, a Japanese-Latin fusion restaurant led by Executive Chef Macku Chan. Komo offers a unique seven-course tasting menu and blends cultures through culinary artistry.

Above the restaurant, Paul co-founded **Esco Bar**, a cocktail lounge and nightclub known for its vibrant blend of EDM and Latin-inspired music. These ventures reflect Paul’s creativity and ability to diversify his portfolio, extending his impact beyond finance and energy into cultural and lifestyle experiences.

Career Achievements

Paul’s career is marked by impressive achievements that underscore his entrepreneurial drive:

* Grew his tax practice from **37 clients to over 2,000 in just five years**.
* Sold approximately **\$2 billion in life insurance products** over two decades.
* Expanded his business portfolio across **finance, energy, insurance, real estate, and hospitality**.
* Earned recognition as a **top financial intern in the nation** by *USA Today*.
* Built a reputation as a trusted advisor, mentor, and leader across industries.

These accomplishments reflect not only his business acumen but also the trust he has built with clients and communities.


Personal Life and Faith

Despite his professional success, Paul’s greatest pride is his role as a father. He cherishes time with his young son, whether playing, teaching, or simply enjoying quiet family moments. His devotion to family defines his priorities and keeps him grounded.

Outside of work, Paul enjoys golf, boating, music, and cars. Over the years, he has built an impressive collection of vehicles, including Ferraris, Maseratis, and a Bentley—reflecting his lifelong appreciation for precision and excellence.

Faith also plays a central role in Paul’s life. Introduced to Christianity by his mother, Paul continues to draw strength and perspective from his faith, using it as a compass for his personal and professional decisions.

Philanthropy and Service

Paul’s legacy is not only about business. He is deeply committed to giving back to his community. In 2018, he partnered with **CHOICE**, a nonprofit supporting individuals with intellectual disabilities, by employing people to give them meaningful work opportunities. He has also supported the Leukemia & Lymphoma Society (LLS) in honor of his family, contributing to causes that align with his values of service and compassion.

Conclusion

Paul Croft’s journey is a testament to resilience, innovation, and purpose. From overcoming adversity as a young athlete to founding Croft Enterprises during an economic crisis, to pioneering renewable energy with Rhino Onward International and investing in hospitality with Komo Chicago and Esco Bar, Paul has consistently proven his ability to lead, adapt, and inspire.

His story is not only about financial success but also about creating value, protecting futures, and serving others. Above all, Paul remains grounded in faith and family, building a legacy that balances ambition with compassion. His life reminds us that true leadership is measured not only by wealth or titles but by the positive impact left on people, communities, and future generations.


Paul Thomas Croft

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