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Thomas Carstens is a Partner of Lenox Advisors and is President of the Lenox Advisors Asset Management Group. He is responsible for designing and monitoring the investment programs for Lenox’s clients and integrating these portfolios with client’s overall financial plans. Tom is a graduate of the University of Pennsylvania where he received a bachelor’s degree in Economics and History. He has his FINRA Series 26 Registration(Investment Company/Variable Contracts Principal), Chartered Financial Consultant and a Chartered Life Underwriter. Prior to becoming a partner with Lenox, Tom was an associate at Cowan Financial Group. Tom has authored numerous articles on financial planning for various publications, including the New York Law Journal, and has provided investment portfolio advice on Bloomberg Television. Tom is actively involved in his community, coaching his children’s sports teams and chairing the Planned Giving Committee for a non-profit organization. Thomas Carstens is a registered representative of and offers securities through MML Investors Services, Inc., Member SIPC, 530 Fifth Avenue, 14th Floor, New York, NY 10036, (212) 536-6000. Investment advisory services offered through Lenox Advisors, Inc. Lenox Advisors, Inc. is not an affiliate or subsidiary of MML Investors Services, Inc. | 