Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC

Thomas J. Henske, CFP, ChFC, CFS, CLU (chartered life underwriter), CLTC (certification in long-term care), partner at the wealth advisory firm Lenox Advisors, Inc., which has offices in New York, Chicago, San Francisco and Stamford, Connecticut. LenoxAdvisors.com

5 Most Overlooked Tax Deductions
Cutting Taxes

5 Most Overlooked Tax Deductions

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | April 1, 2015

Tax time is probably the least fun time of year, and everyone who owes the government usually waits till the…

You Can Still Retire Even If You’ve Saved Nothing
Retirement Planning

You Can Still Retire Even If You’ve Saved Nothing

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 6, 2014

Baby boomers are in trouble. They’re nearing retirement, but many have very little, if any, money saved. Now what? This…

3 Rules to Follow When Calculating Retirement Age
Retirement Planning

3 Rules to Follow When Calculating Retirement Age

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 6, 2014

Many of us start dreaming of retirement from the first day we start working. It’s a lovely fantasy, but in…

3 Rules to Follow When Choosing an Annuity
Retirement Planning

3 Rules to Follow When Choosing an Annuity

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 6, 2014

The sales pitch sounds sexy—pay a little now, and get big payouts later to cover your retirement expenses. But are…

The 5 Most Overlooked Tax Deductions
Cutting Taxes

The 5 Most Overlooked Tax Deductions

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 6, 2014

Taxes…we all have to pay them, but nobody wants to pay more than their fair share. Sadly, many of us…

5 Rules for Giving Kids Allowance
Family

5 Rules for Giving Kids Allowance

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 6, 2014

Are you spoiling your child $5 at a time or creating the next financial superstar? This is the bottom line…

How Much Life Insurance Do I Need?

How Much Life Insurance Do I Need?

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 6, 2014

Congratulations! You are thinking about life insurance. It can be kind of creepy to think about, and it can be…

How to Get Your Grown Kids Out of Your House
Family

How to Get Your Grown Kids Out of Your House

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 6, 2014

Are your grown kids eating you out of house and home? Is your empty nest getting a little too crowded?…

Your Life Insurance Coverage May Be at Risk

Your Life Insurance Coverage May Be at Risk

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | August 17, 2012

How to protect yourself... Many insurance companies are in trouble — hurt by higher-than-expected claims and soured investments. Even if the…

Life Insurance Warning—Your Paid-Up Policy May Not Be Paid Up After All

Life Insurance Warning—Your Paid-Up Policy May Not Be Paid Up After All

Thomas J. Henske, CFP, ChFC, CFS, CLU, CLTC | June 29, 2012

Today’s low interest rates mean that many people who think they have fully paid-up whole and universal life insurance policies…