Thomas Henske
CFP®,CTS, ChFC, CFS, CLU, CLTC
Free
Thomas Henske Quick Facts
- Main Areas
- Financial Planning; Asset Management; Risk Management; Raising Money-Smart Kids
- Career Focus
- Partner; Speaker
- Affiliation
- Lenox Advisors; MDRT; NAIFA
Tom was a 2x All-American soccer player who played for the 3x National Champion University of Virginia Cavaliers. He graduated from Virginia with the University’s Distinguished Student Honor. After leaving the world of soccer, Tom started his current career of financial planning with Cowan Financial Group. While there, he started his own company, Henske Advisors, which was acquired by National Financial Partners. He is now one of seven partners nationwide for Lenox Advisors, a wholly owned subsidiary of NFP. Tom holds professional designations of: With his clients and their conce
s in mind, Tom developed a revolutionary effort, the Lenox Money-Smart Kids™ Program. This age-based program provides resources, tools and information to foster independence, good judgment and responsible financial habits in children. The program focuses on values, helping to instill in children a sense that having money is not a right, but a privilege. The program has struck a nerve both locally and nationally and as such Tom is frequently invited to speak with the media and at events. In fact, Dow Jones is so enthused about Money-Smart Kids, it allows Lenox to provide The Wall Street journal Classroom Edition to clients. It is the first and only exception to Dow Jones’s classroom-only distribution policy to date. Besides working with individual clients on their financial planning needs, Tom has a vast and varied series of responsibilities, including: Tom recently completed a book, entitled “From Me to We,” in which he details the practice management success of Lenox. He is active in the Westport Community writing a bi-weekly column for The Westport News called “Money Smart Kids” and is the assistant soccer coach for the Staples High School Boys Varsity Soccer Program.
Califo
ia Insurance License: 0D91781
Free Articles & Book Excerpts
Stamford Advocate: Wealthy Kids Get An Education In Spending
http://www.lenoxadvisors.com/new/lenadvinc/MSK%20-%20Stamford%20Advocate%20article%20012506.pdf
Investment Advisor: Kid Connection
http://www.investmentadvisor.com/article.php?article=8470
Money-Smart Kids Program Newsletter
http://www.lenoxadvisors.com/new/lenadvinc/content.asp?contentID=2016749598
Money-Smart Kids - Greed article
http://www.selfgrowth.com/articles/Money-Smart_Kids_Greed.html
Money-Smart Kids - Drip, Drip, Drip article
http://www.selfgrowth.com/articles/Money-Smart_Kids_Drip_Drip_Drip.html
Money-Smart Kids - Allowance article
http://www.selfgrowth.com/articles/Money-Smart_Kids_Allowance.html
Money-Smart Kids - Wants vs. Needs
http://www.selfgrowth.com/articles/Money-Smart_Kids_Wants_vs_Needs.html
Money-Smart Kids - Budgeting Tips
http://www.selfgrowth.com/articles/Money-Smart_Kids_-_Budgeting_Tips.html
Top 10 Allowance Tips
http://www.selfgrowth.com/articles/Top_10_Allowance_Tips.html
Discussing the Financial Crisis with Your Children
http://www.selfgrowth.com/articles/Discussing_the_Financial_Crisis_with_Your_Children.html
Westport News: Raising Money-Smart Kids
http://www.lenoxadvisors.com/download/file/379
Westport News: The Family Team
http://www.lenoxadvisors.com/download/file/376
Westport News: Giving More Than Gifts
http://www.lenoxadvisors.com/download/file/378
Westport News: Delayed Gratification
http://www.lenoxadvisors.com/download/file/377
Westport News: It's only $14
http://www.lenoxadvisors.com/download/file/375
MDRT Minute: The Money Constitution
http://www.lenoxadvisors.com/new/lenadvinc/Minute190.pdf
Westport News: Investing as a Tool to Teach Financial Literacy
http://www.lenoxadvisors.com/download/file/374
Westport News: The Philanthropic Heart
http://www.lenoxadvisors.com/download/file/373
Westport News: Children Learn Quickly
http://www.lenoxadvisors.com/download/file/372
Westport News: The educational gift of a lifetime
http://www.lenoxadvisors.com/download/file/371
Westport News: Family governance in the home
http://www.lenoxadvisors.com/download/file/370
Westport News: Take me out to the ballgame
http://www.lenoxadvisors.com/download/file/369
Westport News: A financial film festival
http://www.lenoxadvisors.com/download/file/368
Westport News: Financial literacy is a year-round job
http://www.lenoxadvisors.com/download/file/367
Westport News: Building trust and credit
http://www.lenoxadvisors.com/download/file/366
Westport News: Financial literacy rests under the pillow
http://www.lenoxadvisors.com/download/file/365
Westport News: Answer the call
http://www.lenoxadvisors.com/download/file/363
Westport News: Playing the right cards
http://www.lenoxadvisors.com/download/file/362
Westport News: Needs vs. wants
http://www.lenoxadvisors.com/download/file/361
Westport News: From clam shells to credit cards
http://www.lenoxadvisors.com/download/file/360
Westport News: Yes means no
http://www.lenoxadvisors.com/download/file/359
Westport News: Insight on the allowance
http://www.lenoxadvisors.com/download/file/358
Westport News: Paying respect to family tradition
http://www.lenoxadvisors.com/download/file/357
Westport News: Paying for Playing
http://www.lenoxadvisors.com/download/file/356
Westport News: A fresh look at a classic case
http://www.lenoxadvisors.com/download/file/355
Westport News: Priceless
http://www.lenoxadvisors.com/download/file/354
Stamford Advocate: 'Tough love' may be needed in grads' job hunt
http://www.stamfordadvocate.com/default/article/Tough-love-may-be-needed-in-grads-job-hunt-379523.php#page-1
InsuranceNewsNet Magazine: Preparing Families Through Values-Based Inheritance Planning
http://www.lenoxadvisors.com/new/lenadvinc/INNM0510_GenToGen.pdf?advisorid=331000
Westport News: Hotel Mom and Dad
http://www.westport-news.com/default/article/Money-Smart-Kids-319630.php
Westport News: Make the cookie crumble in your child's favor
http://www.westport-news.com/default/article/Money-Smart-Kids-Tom-Henske-337721.php
Westport News: Digital Disaster
http://www.westport-news.com/default/article/Money-Smart-Kids-Tom-Henske-358530.php
Westport News: Missed Opportunity
http://www.westport-news.com/default/article/Money-Smart-Kids-Missed-opportunity-491939.php
Westport News: The Pool Conversation
http://www.westport-news.com/default/article/Money-Smart-Kids-Daddy-everyone-in-Westport-511045.php
Westport News: Summer Jobs
http://www.westport-news.com/default/article/Money-Smart-Kids-Summer-job-season-525291.php
Westport News: No Money for Money Education
http://www.westport-news.com/default/article/Money-Smart-Kids-No-money-for-money-education-541865.php
Westport News: Financial Football
http://www.westport-news.com/business/article/Money-Smart-Kids-Financial-football-576070.php
Thomas Henske Audio & Video Programs
Fox Business: Financial Literacy and Children for Money-Smart Kids Program
http://www.lenoxadvisors.com/page/literacy-and-children
News 12 (CT.): Tom Henske on the Money-Smart Kids Program
http://www.lenoxadvisors.com/page/tom-henske-financial-literacy
Money-Smart Kids: Allowance Guidelines
http://www.lenoxadvisors.com/download/272/1479/2266
Money-Smart Kids: Drip, Drip, Drip
http://www.lenoxadvisors.com/page/drip
Money-Smart Kids: Greed
http://www.lenoxadvisors.com/page/greed
WABC-TV: Talking Your Children Through The Financial Crisis
http://www.lenoxadvisors.com/page/kids-financial-crisis
Money-Smart Kids: Delayed Gratification
http://www.lenoxadvisors.com/page/delayed-gratification
Money-Smart Kids: It's Only $14
http://www.lenoxadvisors.com/page/14
News 12 (CT.): Speaking to Kids About The Financial Crisis
http://http.dvlabs.com/mvision/2009/05/18/LAD008/RwtjONV3eqKNYLQyps5bKCAtYFDPGzxf.wmv
Money-Smart Kids: The Family Team
http://www.lenoxadvisors.com/page/the-family-team
Money-Smart Kids: Giving More Than Gifts
http://www.lenoxadvisors.com/page/giving-more-than-gifts
Money-Smart Kids: Investing as a tool to teach financial literacy
http://www.lenoxadvisors.com/page/teach-financial-literacy
Money-Smart Kids: Children learn quickly
http://www.lenoxadvisors.com/page/children-learn-quickly
Money-Smart Kids: Family governance
http://www.lenoxadvisors.com/page/family-gove ance
Money-Smart Kids: Financial literacy is a year round job
http://www.lenoxadvisors.com/page/financial-literacy
Money-Smart kids: The philanthropic heart
http://www.lenoxadvisors.com/page/philanthropic-heart
Money-Smart Kids: The educational gift of a lifetime
http://www.lenoxadvisors.com/page/educational-gift
Money-Smart Kids: Financial film festival
http://www.lenoxadvisors.com/page/financial-film-festival
Family Governance and Intergenerational Wealth Transfer – Tom Henske interviews Tom Rogerson, Senior Director of BNY Mellon Wealth Management
http://www.lenoxadvisors.com/page/family-gove ance
Articles by this expert
SelfGrowth articles and saved writing connected to this expert.
Article
Discussing The Financial Crisis With Your Children
The second most common questio I’ve been getting over the last few weeks (after “When will the market hit bottom?”) is “How should we be talking to our children about this financial crisis?” While the natural feeling is to clam up and pretend your lives are business as usual, that strategy ...
Recently added
Article
Westport news: Don't let great get in the way of good
For those of you who know me personally, this seemingly settling for mediocrity in the title might have caught you by surprise. And while I am a huge fan of striving for greatness in everything one sets out to do, the reality is that often times such an attitude can get in the way of making progress. This is especially true when talking about financial literacy.
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Article
Westport News: Mortgage 101 for kids
In February 2000, I endeavored on buying my first home. I can remember the scary concept of taking out my first mortgage. The whole idea of owing someone money put a pit in my stomach. So owing someone money for 30 years was just mind-blowing for me. And so after I found what I was looking for, I went to my bank to secure a 30-year fixed mortgage at the interest rate of 8.5 percent. When interest rates began to drop, I refinanced that mortgage at 7.625 percent. Then a year later -- I was making a habit of this -- I got it to 6 percent.
Recently added
Article
Westport News: Nice try, Mr. Farrell
Yes, I said a few months ago that I don't like to use my article to vent ... but here I go again. I've just read one of the more myopic, small-minded, and frankly, ignorant articles on MarketWatch titled "Financial Literacy Is a Big, Fat, Wall Street Hoax" by MarketWatch writer Paul Farrell. His article can be read at: www.marketwatch.com/story/financial-literacy-is-a-big-fat-wall-street-hoax-2011-11-08 Nice try, Mr. Farrell, trying to jump on the "Occupy Wall Street" band wagon with this article. His effort is hugely unsuccessful.
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Article
Westport News: Are we almost there yet?
It's hard to believe it's February and my wife just reminded me that the kids' winter break starts Feb. 18. Tonight at dinner, we discussed going skiing for a few days as a family. I must admit it became difficult to enjoy dinner when I mentally started tallying up all the expenses that goes into even the shortest of trips. Here was the list went through my mind as we did our planning: Lift tickets Gas/flights Hotel rooms Equipment rental
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Article
Westport News: How young is too young to teach kids about money?
I'm lucky to have many readers who pass along articles they come across on financial literacy. I finally had some time to catch up on my reading and came across two very different articles that sparked my interest on the topic of what age we should start teaching our kids about money. They were polar-opposite opinions that said: According to "Financial Literacy? It's Elementary," by political writer Burwell Stark: "Forget financial illiteracy. I don't know of many kindergartners who are literate, period. Isn't that the age where they start the letters and how words are formed?"
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Article
Money-Smart Kids: Allowance
We live in a world where parents may give their children a weekly allowance of $20 and before they know it they’ve spent another $50 on their children’s Webkinz toys and other various forms of entertainment. While the $20 might be the right amount for their child, the extra hand-outs aren’t ...
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Article
Money-Smart Kids: Drip, Drip, Drip
Whenever I talk with clients, prospects or friends about the Money-Smart Kids Program, I share our “drip, drip, drip” strategy for raising financially fit kids. “Remember, you are water; they are rock,” I say. “Do a little something often. Keep the subject of the financial apprenticeship front ...
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Article
Money-Smart Kids: Greed
Chocolate hearts and Valentine messages soften the gray and cold of deep winter–opening up the heart in this icy season. This year, use winter’s little crack for the unexpected: Tackle greed. Greed reveals itself in a child’s reluctance to share, and adults’ willingness to risk all in the ...
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Article
Money-Smart Kids: Wants vs. Needs
n“Daddy, Daddy, Daddy. I need to have the Millennium Falcon Star Wars Space Ship. Please, please, please. I really need it.” Taken literally, someone new to the planet would understand my son’s “need” as potentially life threatening if he were to go another hour without this space ship. As ...
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Article
Money-Smart Kids - Tips For Developing A Concept of Wants Vs. Needs
Our children seem to think that they should have everything that we (as parents) have, ignoring the fact that many our possessions have been accumulated over years. A need is something you have to have, something you cannot do without. Needs are things that we truly cannot be without. Examples ...
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Article
Money-Smart Kids - Budgeting Tips
Helping your children understand how to live on a budget at a young age can teach them valuable lessons for later on in life. You’d rather see your kids make small mistakes now than end up continuing to ask you for help to pay for things later on in their life. Here are a few suggestions for ...
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How to get started
Please visit my website: www.lenoxadvisors.com; http://www.lenoxadvisors.com/new/lenadvinc/content.asp?contentid=2016429217