Lenox personal cfo digital_2013

281 views

Published on

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total views
281
On SlideShare
0
From Embeds
0
Number of Embeds
7
Actions
Shares
0
Downloads
3
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Lenox personal cfo digital_2013

  1. 1. LENOX PERSONAL CFOTMWHAT KEEPS YOUUP AT NIGHT?Achieving financial success does not always simplify life. In fact, affluence generally increases the complexity of thedecision-making process. The greater one’s wealth, the more time and knowledge must be invested in maintaining itsgrowth, protection and ultimate distribution. Lenox Advisors helps provide that solution— in an independent, objectiveand integrated fashion.FINANCIAL PLANNING Who can make sure I am sending out the appropriate Is there a way to aggregate all my financial assets and Crummey notices each year? track their performance and overall asset allocation? Where are all my important documents? (Deed to How should I allocate my year-end bonus? house, tax returns, wills, etc.) S hould I be deferring some of my income? Are there Trust instruments I should be using? H ow should our assets be owned? Individual names, Living Revocable Trusts, Special Needs Trusts, joint, tenants in common? Irrevocable Trusts, Generation Skipping Trusts, etc. S hould I convert all, some or none of my conventional Should I consider a gifting stategy? IRAs to Roth IRAs? INSURANCERETIREMENT PLANNING Do I have the right amount and right type of insurance? D o I have enough money to retire? Life; Disability Income? Are they coordinated with my F rom which pockets of money should I draw down first? other assets and legal documents? D o I have the appropriate auto/home insurance coverages?ASSET MANAGEMENT How do I determine the proper deductibles? How can I reduce the level of risk in my portfolio? How much Umbrella Liability coverage should someone H ow are my various investments performing relative to have with my level of assets? their respective benchmarks? S hould I allocate my IRAs, 401(k) and deferred compensation accounts differently than my taxable TAX PLANNING accounts? H ow should I actively manage capital gains and losses S hould I diversify using hedge funds or Real Estate throughout the year? Investment Trusts? Is there an optimal time to be exercising ISOs, NQOs? Can I reduce the tax bill on my investments? MONEY AND CHILDRENESTATE PLANNING (Lenox Money-Smart Kids™ Program) A re my estate planning documents (Wills, Trusts, etc.) Have we established and communicated our personal appropriate, up to date and consistent with current financial values to our children? tax codes? W hen is the appropriate time to start an allowance and Should I establish more complex estate planning what is the appropriate amount?techniques such as GRATS, FLPs, QPRTs, IDGTs, etc.? H ow do we teach our children about philanthropy?Lenox Advisors. Integrating financial security into financial success.Learn more at www.lenoxadvisors.comThe information provided is not written or intended as tax or legal advice and my not be relied on for purposes of avoiding any Federal tax penalties.Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset managementservices through MML Investors Services, LLC., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviserrepresentatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviserrepresentatives of MML Investors Services, LLC for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc.is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML InvestorsServices, LLC. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered throughMML Investors Services, LLC. CRN201206 - 136669 © 2012 Lenox Advisors, Inc. All rights reserved.
  2. 2. LENOX SERVICE OVERVIEWWHAT CAN WEDO FOR YOU?Lenox Advisors is a comprehensive Wealth Advisory firm focusing on high net worth individuals,including corporate executives, business owners and entrepreneurs. Most of our clients retain us to betheir “Personal CFO.” We coordinate all aspects of their financial lives, including retirement planning,asset management, risk management, estate planning, insurance, children’s college education, etc.For our corporate clients, we advise them on all different types of benefit programs and qualifiedplans for their employees, including customized carve-out programs for senior executives.LENOX PRIVATE WEALTH MANAGEMENTLenox Personal CFO™ Lenox Asset Management• Estate Planning Strategies • Access to Separately • Lenox Retirement Advisor™ (retirement income, Managed Accounts distribution • Municipal and Taxable and tax minimization strategies) Bond Portfolios• Account Aggregation • Real Estate Investment Trusts • Vault for Personal Documents • Hedge Funds • Lenox Money-Smart Kids Program ™LENOX CORPORATE CLIENT SERVICESLenox Corporate Benefits Lenox RPC™ (Retirement Plan Consultancy)• Group Benefits (bSwift HRIS, Health and Platform Welfare; Disability/LTD; HSAs) • Ongoing Fiduciary Support Services • Corporate Carve-Out Insurance Programs • Ongoing Investment Monitoring (Life; Disability Income; Long Term Care) • Investment Policy Statement Reviews • Detailed Processes, Unbiased Perspective LENOX INSURANCE BROKERAGE• Life Insurance Property and Casualty Insurance• Disability Income Insurance • Home and Auto Insurance • Long Term Care Insurance • Umbrella Liability Insurance • Ownership Structure, Trusts • Key Person Coverage • Fixed and Variable Annuities Lenox Advisors. Integrating financial security into financial success.Learn more at www.lenoxadvisors.comFee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management servicesthrough MML Investors Services, LLC., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser representativesof Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MMLInvestors Services, LLC. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiaryof National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, LLC. Services offeredthrough Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, LLC. #86543© 2012 Lenox Advisors, Inc. All rights reserved.
  3. 3. LENOX PERSONAL CFOTMLENOX PERSONAL CFOTMLIST OF SERVICESAchieving financial success does not always simplify life. In fact, affluence generally increases thecomplexity of the decision-making process. The greater one’s wealth, the more time and knowledgemust be invested in maintaining its growth, protection and ultimate distribution.PREPARATION AND IMPLEMENTATION OF YOUR ASSET MANAGEMENTFINANCIAL PLAN • Review and recommendations on overall • Fact Finder session to gather information asset allocation. and formulate your Money Constitution—the • Manager review analyses through third foundation, values and motivations driving your parties such as Standard Poor’s and Lipper. family’s financial personality. • Specific retirement investment recommendations • Construction of your Personal Wealth and an investment review across all taxable vs. Management web site. qualified accounts for tax-efficient strategies. – ccount aggregation which provides automatic A • Provide 401(k) strategy and allocation daily updates on your Financial Plan. recommendations. – aulting of all personal documents in a secure V but accessible location. INSURANCE• Customized Financial Plan presented to help • Life, Disability Income: review existing coverage establish and reach your financial goals. and analyze need.• Action Items List created to map out the steps • “In-Force” analyses every three years on existing needed to execute the Plan. policies to determine their ongoing performance.• “Lenox On-Call”—access to our team of CFP® • Long Term Care Insurance analysis for the client practitioners supported and/or parents. by experienced staff throughout the year. • Auto, Homeowners, Umbrella Liability—review deductibles, identify gaps. **ESTATE PLANNING * • Due diligence/monitoring of insurance • Review of Wills, trusts and asset titling to companies’ financial strength. ensure these meet your wishes and work within current law. RETIREMENT/CASH FLOW MANAGEMENT• Sophisticated estate planning recommendations to help minimize your potential estate tax • Goal Modeling – “What if” scenarios, exposure. e.g., effects of earlier retirement, a major purchase, etc.• Real estate and business assets held in LLCs for liability protection, probate avoidance. • Cash Flow and Budgeting. • Review your beneficiary designations for your • Monte Carlo simulation modeling to provide retirement plans and insurance policies. “best/worst” projections.• Crummey Notices: preparation, execution, vaulting for eventual estate tax audit.
  4. 4. LENOX PERSONAL CFOTM CORPORATE/GROUP BENEFITS PLANNING OTHER Corporate Executives • Lenox Money-Smart Kids™ Program – Provides tools and resources to help teach your children about • Coordinate all qualified and non-qualified financial values and how to deal with corresponding retirement plans and allocations with overall issues through every phase of their childhood. personal financial plan. Bonus, stock option, RSU and other compensation programs similarly • Mortgage and overall debt analysis. coordinated. • Review credit reports and tips to improving your • Integrate available carve-out benefit strategies credit score.** and programs into overall risk management/ • Recommendations on credit protection. insurance profile. • How to reduce the risk of identity theft. • Analyze all corporate health insurance programs to maximize benefits. ALERTS AND ALARMS Business Owners • Asset Allocation alerts triggered if market values • Review of all Group Benefits, including Group push your allocation outside agreed upon range. Health, Life, Disability, 401(k), Deferred Compensation, Liability.** • Insurance premium due dates. • Buy/Sell Agreements to support business • Expiration dates for family documents such as continuation plans.* passports, drivers’ licenses. • Succession planning. • Vesting and expiration dates of RSUs, options. • Year-end planning: GIFTING AND COLLEGE EDUCATION PLANNING – und Flexible Spending Account at work F • Maximizing your annual gift exclusion and – und children’s college accounts F $1,000,000 lifetime gift exemption. – ift your annual exclusions G • Calculate education funding needs and evaluation of most appropriate savings vehicle. – ay state and local taxes by December 31 to P get tax deduction – onsider tax loss selling to offset gains C Lenox Advisors. Integrating financial security into financial success. Learn more at www.lenoxadvisors.com*Estate planning is done in conjunction with your estate planning attorney, tax attorney, and/or CPA. **Offered through 3rd party vendors. Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management services through MML Investors Services, LLC, 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser representatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML Investors Services, LLC. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, LLC. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, LLC. CRN201308 – 151979 © 2012 Lenox Advisors, Inc. All rights reserved.
  5. 5. LENOX MONEY-SMART KIDS™ PROGRAMMONEY MATTERS:TEACHING FINANCIALVALUESAs parents, encouraging and supporting financial Do these questions and issues keep you up at night?literacy for our children should be a top priority.Because it is not just about money—it’s about I’m not sure how much allowance my child should values. Financial education develops a lifetime of get and I don’t want to give her too much or tooindependence, good judgment and responsible habits. little. How much is appropriate, and at what age?Lenox Advisors wants to help clients raise money-smart O ur teenage daughter is constantly overchargingchildren. To that end, we built the Lenox Money-Smart her credit card and her cell phone bill and won’tKids™ Program, a platform for our clients and their pay them, in full or on time. Then she asks for morechildren that includes recommendations on and access money. What can we do?to: 􀁸When are the best ages to begin an allowance;•Books 􀁸 •Web sites open a savings or checking account; give my child a cell phone, credit card…?•Age-specific lesson plans 􀁸 •Newsletters• eminars with authors, Trust Estates attorneys S 􀁸 T he only thing my kids want to do with their and money managers allowance is to spend it. How can we introduce the ideas of saving, charity and philanthropy?This program is a direct outgrowth of client requests formore information to assist them in raising financially 􀁸 O ur 9 year old has developed an avid curiosityliterate children. We recognize raising children is hard; about how much money the family has and we’reraising financially-literate, well-rounded and grounded not sure how much to share. Do you have anychildren is harder still. guidance? The Lenox Money-Smart Kids™ Program guides our clients on how to approach these types of questions. “Nearly 72% of the parents surveyed But all the books, Web sites and seminars are acknowledged that they are their children’s secondary to the best resource—your time. Parents can primary source of personal finance education, not be reticent to discuss money with their children. It’s although 44% admit to needing more guidance a must for their future. on how to best teach their children the skills necessary to become financially responsible If you have a question and would like a professional’s and successful adults.” perspective, contact Matt Gordon, 212-536-8700. There is no charge for this service if you are a Lenox CFO™ client.Lenox Advisors. Integrating financial security into financial success.Learn more at www.lenoxadvisors.comThe Hartford Financial Services Group, Inc., Amid Economic Uncertainty, New National Survey Finds Parents Concerned About Children’s FutureFinancial Independence, April 14, 2008, http://ir.thehartford.com/releasedetail.cfm?ReleaseID=304399]CRN201007 - 106518LLC. © 2012 Lenox Advisors, Inc. All rights reserved.
  6. 6. Lenox AdvisorsPrivate Wealth Management Group
  7. 7. WelcomeAchieving financial success does not always simplify life. In fact, affluencegenerally increases the complexity of the decision-making process. Thegreater one’s wealth, the more time and knowledge must be invested inmaintaining its growth, protection and ultimate distribution.Attorneys, accountants, insurance professionals and financial planners canoffer invaluable advice, but because most offer services independent of oneanother, it is often up to their clients to sift through the individual recom-mendations, evaluating each to determine which are the most appropriate.The ideal solution is a wealth management firm that can help define andachieve each client’s unique, long-term goals through a comprehensive,holistic program of investments, tax planning, asset allocation, risk manage-ment, insurance, retirement planning and estate planning.Lenox Advisors helps provide that solution... in an independent, objectiveand integrated fashion. A Single Source
  8. 8. Secure Lenox Advisors is a unique Wealth Advisory firm focusing on high net worth individuals, including corporate executives, business owners and entrepreneurs. Most of our clients retain us to be their “personal CFO.” We coordinate all aspects of their financial lives, including retirement planning, asset management, risk management, estate planning, insurance, children’s college education, etc. In Lenox’s Private Wealth Management Group, highly-skilled financial planning professionals, CFP® practitioners, CPAs and others, craft the strategies and engineer the follow-through to help ensure continued financial success as part of the Lenox CFO™ Program. Concurrently, asset management strategists have the ability to access institutional money managers matched to clients’ specific objectives. Working in tandem allows each team member to become familiar with each client’s individual needs and more efficiently integrate solutions into the overall financial plan. This reduces the complexity in clients’ financial lives, which helps to increase clients’ financial security. LENOX ADVISORS OFFERS: Comprehensive Strategies○ Private Wealth Management ○ Fee-Based Financial Planning/Lenox CFO™ ○ Asset Management○ Insurance Brokerage ○ Life Insurance ○ Disability Income Insurance ○ Long Term Care Insurance ○ Annuities○ Lenox Corporate Benefits ○ Group Insurance Benefits ○ Corporate Executive Carve-Out Insurance Programs ○ Lenox RPC™ (Retirement Plan Consultancy) Platform
  9. 9. Lenox CFO™ Simplify As their wealth grows, most affluent individuals express concern that their financial lives are increasingly complex. They face a wide array of compli- cated decisions every day: • How can they secure their financial future, including estate planning, retire- ment, insurance and asset management? • How do they best allocate their assets to match their short and long-term needs, while addressing their philanthropic goals? • How can they afford to help care for aging parents, while minimizing the financial impact on their family? As a single-source financial advocate—their personal CFO—Lenox works collaboratively with clients’ advisors to create a focused, integrated strategy that drives all present and future financial-related decisions. The Lenox CFO™, the firm’s proprietary platform for simplifying the financial planning process, enables Lenox to coordinate each client’s financial matters—from risk management and estate planning* to asset management and insurance.“We help our clients realize their dreams by integrating and overseeing virtually every aspect of their financial lives. ” Lenox CFO™ Michael Book, Managing Partner, Lenox Advisors
  10. 10. Lenox CFO™StreamlineWhat sets Lenox apart is the comprehensive nature of what we can accomplish as yourpersonal CFO, streamlining the financial planning process, with a focus on advice ratherthan products.Our technology gives Lenox Advisors and our clients the ability to organize informationfrom all their advisors and consolidate them in one place. The data is encrypted, secureand automatically updated daily. This frees the client from the smallest (but often the mostcritical) details of wealth management, giving them the freedom to devote more time andattention to other important aspects of their lives.Organize and Consolidate ○ Cash Flow/Retirement Planning ○ “What if” Scenarios ○ Expense Modeling ○ Retirement Income and Distribution Strategies ○ Tax Minimization Strategies ○ Balance Sheet/Net Worth Statements ○ Estate Planning Strategies ○ Risk Management/Insurance Audits ○ Asset Allocation Strategies ○ Account Aggregation ○ Education Funding ○ Lenox Vault for all Personal Documents ○ Lenox Money-Smart Kids™ Program ○ Financial Literacy Resources ○ Age-Based Lesson Plans for Children
  11. 11. Lenox CFO™ Communicate A key differentiator of Lenox is our values-based approach to wealth management and how it threads throughout your relationship with Lenox. All our recommendations are sourced through your “Personal Money Constitution,” a document reflecting your (and your family’s) relationship to money. For example, what are the values you grew up with and what do you want to pass on to your children? What values do you and your spouse agree and disagree on? What would we have to do together over the next five years for you to believe we’ve succeeded in managing your financial affairs? Realizing that wealth management is often a family issue, Lenox developed a proprietary platform, the Lenox Money-Smart Kids™ Program, to help parents communicate their finan- cial values and educate their children about money and philanthropy. Lenox knows preserv- ing generational wealth cannot be accomplished without preserving values. Financial Values“Managing your wealth can be an intimidating process. We turn anxiety into empowerment by becoming our clients’ personal CFO and developing a set of financial goals and a game plan for achieving them. ” Rick Van Benschoten, CFP® Managing Partner, Lenox Advisors ,
  12. 12. Lenox Asset Management StrategizeSuccessful asset management is a process, not an event. Securing one’sfinancial future, particularly in an uncertain economic environment, requirescontinuous oversight by an integrated team of financial professionals whoare able to provide insightful advice and timely execution against agreed-upon financial goals. Such oversight provides strategic perspectives onspecific issues, including: What asset allocation is appropriate for your levelof risk tolerance? Where should you own specific investments in order tomaximize after-tax returns? When should one overweight versus under-weight certain asset classes? Lenox Asset Management
  13. 13. Lenox Asset Management Access Lenox Advisors takes the time to listen to clients and understand how they accumulated their wealth. Was it success in a self-made business, inherited money, a concentrated stock holding in a public company? Lenox then develops an investment strategy based on each client’s particular financial goals including their spending needs, multi-generational estate planning goals, retirement and future philanthropic aspirations. We believe success- ful asset management should be part of overall estate, business and financial planning. ASSET ALLOCATION Lenox Advisors takes an institutional approach to individual investing, encouraging clients to approach their portfolio asset allocation similar to a college endowment or charitable foundation. We believe global, multi-asset class portfolios of stock, bond, and alternative investments have the best potential to protect assets and generate strong returns while minimizing risk. Emphasizing asset classes and investment vehicles that have little or no correlation over a market cycle helps to increase success. INVESTMENT VEHICLES Lenox Advisors has no proprietary products, and utilizes an open architecture approach○ Access to Separately Managed Accounts through consulting firms that assist in the initial and ongoing reviews of institutional○ Municipal and Taxable Bond Portfolios money managers. Lenox implements portfolios through some of the best money manag-○ Equities○ Alternative Investments ers and private firms available, as well as utilizing passive investments where appropriate.○ Mutual Funds ASSET OWNERSHIP○ Variable Annuities Often overlooked, asset ownership is an important aspect of investment planning. For○ Exchange Traded Funds○ Real Estate Investment Trusts example, tax-inefficient investments (including some alternative investments) could be○ Commodities-Based Funds moved to tax-deferred accounts. This type of investment detail, keeping in mind the under-○ Oil and Gas Partnerships lying performance of the investment, could yield far more in returns than market timing or investment selection. These decisions become even more important when potential tax increases may be on the horizon. Analysis and Planning
  14. 14. Lenox Asset Management Lenox TEAM ACCESS Integrate Advantage Lenox provides a team of plan- ning and investment specialists, Lenox has access to some of the best managers not on large integrated in one Private Wealth wirehouse platforms. Management group, who are PERFORMANCE AND PORTFOLIO MONITORING compensated based on servic- Specific goals and monetary aspirations can change over time. Likewise, the cycles of the ing current clients, not finding global markets and the structure of the world economy evolve and change through the new ones. years. Lenox Advisors meets regularly with clients to update their recommended asset allocation, rebalance the overall portfolio, or replace or add an investment vehicle or man- ager. Any modification is made based on a clear understanding of each client’s current situation and future goals, and on up-to-date economic and investment vehicle analyses. OVERSIGHT DESIGN PORTFOLIOS Client portfolios are monitored Portfolios are filtered through a We help develop inflation-pro- WHAT SETS US APART regularly to manage risk, respond customized optimizer to create tected, tax-efficient portfolios○ Lenox provides a team of planning and investment specialists, all integrated in one Private to client needs, and quickly take efficient portfolios that balance focused on capital preservation Wealth Management group, who are compensated based on servicing current clients, not advantage of market conditions. risk and return. for the long-term investor. finding new ones.○ Lenox has access to some of the best managers that do not participate on large wire- house platforms.○ We help develop inflation-protected, tax-efficient portfolios focused on capital preservation for the long-term investor.○ Client portfolios are monitored regularly to manage risk, respond to client needs, and quickly take advantage of market conditions.○ Portfolios are filtered through a customized optimizer, to create efficient portfolios that balance risk and return.○ Because we have no proprietary products, we are free to find who we believe to be the best managers in each asset class. “The one certain way to improve investment returns is to reduce○ We also understand risk management/ insurance and how it can creatively help your portfolio. expenses, and the greatest expense in most investment portfolios is taxes. We believe wealth is amassed by focusing on after-tax returns, not pre-tax returns. ” Diversified Investing Greg Olsen, CFP® Partner, Lenox Advisors ,
  15. 15. Collaborate INDEPENDENCE, OBJECTIVITY AND INTEGRATION It takes the combined expertise of a team of trusted advisors—attorneys, accountants, insurance brokers and financial planners—working in concert, collaboratively and seam- lessly, to help assure financial security. Lenox Advisors integrates financial security into financial success by delivering an unprecedented level of specialized expertise and personalized service entirely focused on helping our clients grow, protect and distribute their wealth. Lenox Advisors’ approach is founded on building a deep understanding of the unique needs of each client. It is Lenox’s mission to become aware of the changes in clients’ life circumstances in order to anticipate and respond creatively to new risks and emerging opportunities. The end result is a coordinated financial plan, updated regularly, that will help meet each client’s individualized wealth management goals. Lenox is a part of National Financial Partners (NFP), a publicly traded company focused on the distribution of financial services to high net worth individuals and growing entrepre- neurial companies. This gives Lenox the ability to offer its clients the benefits of objective, independent advice together with all the resources of a leading national organization. For further information, call Lenox Advisors at (212) 536-8700, email them at info@lenoxadvisors.com or visit the firm’s website at www.lenoxadvisors.com.“It’s no surprise that our business is built almost entirely on Expertise and Service referrals from clients, accountants and attorneys. ” Tom Henske, CFP® Partner, Lenox Advisors ,
  16. 16. Select Screen Shots from the Lenox CFO™
  17. 17. Corporate Headquarters 530 Fifth Avenue New York, NY 10036 Two Stamford Plaza 281 Tresser Boulevard Suite 1004 Stamford, CT 06901 20 North Clark Street Suite 550 Chicago, IL 60602 535 Pacific Avenue 2nd Floor San Francisco, CA 94133 www.lenoxadvisors.com info@lenoxadvisors.com* Estate planning is done in conjunction with your estate planning attorney, tax attorney and/or CPA. Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk. Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management services through MML Investors Services, Inc., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, mem- ber SIPC. Investment adviser representatives of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML Investors Services, Inc. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiary of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, Inc. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, Inc. CRN201210 - 136659

×