This is a real client case study we did for one of our most recent new relationships. We are working with a really great person and on top of that the situation was just busy enough for us to discuss. Listen to this podcast if you are curious about our process and how we handle our typical client.
Andrew Komarow, MSFS
AEP® AIF® CAP® CASL® CFP® CHFC® CHSNC®CLU® FSCP® REBC® RHU® RICP®
Founder and President
Andrew has been with us since the beginning and is the creator of Planning Across the Spectrum. Andrew is an advocate throughout Connecticut and throughout New England for Autism awareness as well as a CERTIFIED FINANCIAL PLANNER™ and co-founder of Talcott Financial Group in Farmington, CT.
Andrew received his autism diagnosis late in life which answered a lot of questions about struggles he experienced growing up and as a young adult. Having had this experience, he has now dedicated himself to aiding the autism community, utilizing his certifications and skills in the financial world, and his own knowledge of an individual living with autism to help people on the spectrum and/or their families and caregivers plan for their future. He as personally experienced many medical, social, educational, legal, vocational, and relational issues that he can now aid his clients with while understanding that every situation is unique. He provides guidance for life decisions and resources that are available that may not be known about or easily accessible for average citizens. He helps individuals navigate the realities of living in a world that can be complicated to pilot with special needs.
Check out more great information of their website:
The National Down Syndrome Society is the leading human rights organization for all individuals with Down syndrome.
The National Down Syndrome Society envisions a world in which all people with Down syndrome have the opportunity to enhance their quality of life, realize their life aspirations and become valued members of welcoming communities.
Information about Ashley:
Ashley is the Director of Government Relations. She works with members of Congress and their staff, federal agencies and state and local leaders to help pass legislation that is beneficial to the Down syndrome community.
Check out their website by clicking HERE - (https://www.ndss.org/our-story/mission/)
Do you have a parent or spouse that may need to consider moving into a nursing home? This episode describes one way to prepare for nursing home costs and it is called the Medicaid Compliant Annuity. It offers you a way to save the hard earned money you saved over the years rather than spend it all in the first 2 years of nursing care. This is an annuity that only married couples can use, so if you are married or know a couple that could use this advice, please share! We have been using these annuities to help individuals for over 10 years but we still find most people have never heard of this technique before. If you have any questions, email or call us at email@example.com or 410-663-0700.
I’m the CEO of Better Money Decisions (B$D) and co-author of the blog Better Financial Decisions. As a principal of B$D, I’m excited to continue my long career as an investment professional which started when I worked in the 1980s as an advisor with Drexel, Burnham and Lambert and J.W. Charles and as co-owner of a Registered Investment Advisory firm.
Living and working in places as diverse as Jeddah, Saudi Arabia, Budapest, and Hungary has given me a unique perspective on the world of investing. Through these experiences I have learned that life can change in an instant and having a financial guide can make all the difference between a retirement fraught with worry and one with peace of mind.
Check out her website where you can purchase her book, "Bozos, Monsters and Whiz-Bangs": https://bozosmonsterswhizbangs.com/
This is a real estate update with Mike Klijanowicz. His contact information can be found below. He is a local guy and we are located in Baltimore, MD. However, that doesn't mean Mike can't help you answer a few questions if you have them! There is a contact form on the website below if you prefer to us that, or you can call using the number below.
9607 Belair RoadBaltimore, MD 21236
"As a wife to Lamar and mom to Juliana and Jessa, I’m a passive journal writer. It means I h
ave a journal that stays by my bed and I write in it every now and then to record life’s peaks and valleys.
But Juliana’s Journal is something different. When my husband and I accepted the responsibility of fostering a six day old baby, I didn’t know up from down. I wrote down schedules, sleep patterns, and what separated good days from bad ones.
Then, as we learned that Juliana wasn’t meeting her milestones and needed therapy, I jotted downthe notes on that too. Fast forward eight years later. That beautiful baby girl is now our daughter Juliana.
Our life is crazier than I ever imagined. When I’m not chasing two kiddos, working or tackling a new DIY project around the house, you’ll find me reading, gardening, or writing. I love comments and feedback. So feel free to send me a line via the message box below.
We are not living the life that we imagined, but it’s still a good one. I’m glad that Juliana’s Journal has grown and continues to grow. Now, I hope to expand it so that it inspires and reaches so many more. It’s my plan to continue scribbling down all those important things I need to keep quickly within reach.
Hopefully, you’ll find some things here that will reach you too."
Check out so much more on Sabrina's blog : https://www.julianasjournal.com/a-blog-for-special-needs-parents/
"Christopher S. Norman has the unique honor of having been named a “Super Lawyers Rising Star” first for his work defending healthcare providers, and most recently for his work advocating on behalf of injured patients. Chris leverages the “inside knowledge” that he gained as a “Rising Star” medical malpractice defense attorney in his unrelenting effort to get the most for the injured patients that he now represents. Chris was also selected to serve on the Board of Governors of the Maryland Association for Justice, Maryland’s principal assembly of trial lawyers which is dedicated to improving the civil justice system through legislative advocacy and the professional development of other attorneys who represent the injured."
Check out more about Mr. Norman and how he can help on his website below:
The stock market can be a scary place. No one can predict what is going to happen, regardless of the software used or the intelligence of the guy on the TV or radio, no one really knows, not even us. However, we do know a few consistent factors that seem to stick around, such as: the stock market goes down and it goes back up (as long as you are invested properly). In this podcast case study we talk about the pain of losing money versus the joy of making money. Rarely do we ever sit down with anyone who matches the pain of losing $20,000 with the euphoria of making $20,000. I think we all expect to make money in the stock market. That is why when it goes up, we aren't necessarily happy, because it is expected. However, when the market goes down, we are losing our hard earned savings and get nervous it may never recover. Listen to this case study as we describe the phenomenon called "Loss Aversion" and how you can survive these volatile times.
Life Insurance is an important piece of the financial planning puzzle. However, not everyone needs life insurance. For example, we work with a lot of individuals who are deep into retirement, their kids are adults and the house is paid off. This person may still need life insurance for their spouse but in a lot of these cases, after analyzing the policy and doing our due diligence, we find this type of individual no longer needs to pay the premium for a policy has already done it's job. On the other hand, new parents need life insurance right away to protect their loved ones from having to survive on their own should one parent pass away. We commonly use a second to die life insurance policies for special needs families because we are preparing for the death of the parents who know their special needs child will never live on their own. There are a lot of situations where life insurance can help, and we have a checklist that can help you as well. Check out the life insurance shoppers checklist here to get started.