Tom Josten

Tom joined Josten Financial in 2023 after earning degrees in Finance and Business Management from the University of Central Florida, where he was also a four-year starter and team captain for the Knights varsity baseball team.

He takes great pride in helping build Josten Financial into a third-generation family firm — one that will continue serving clients and their families for generations to come. In his first year with the firm, Tom completed an intensive track of industry licensing and credentialing — passing his Life & Health, SIE, Series 7, Series 66, and CFP® examinations — demonstrating his commitment to excellence and lifelong learning in financial planning.

Today, Tom focuses on delivering clear, educational financial planning services that help clients feel confident about their retirement decisions. He works with clients to overcome uncertainty around retirement income, tax planning, and legacy strategies.

Tom also brings a “new school” approach to the firm — using visual planning tools and developing educational content for Josten Financial’s YouTube channel to help clients better understand their options. He is passionate about embracing technology and creating a modern client experience.

Outside of work, Tom enjoys staying active through fitness and golf and is an avid student of entrepreneurship and personal development. He is always seeking new ways to help clients build lasting financial confidence.

^{Registered administrative assistant of Cetera Wealth Services, LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.}