Your Financial Coach
Welcome, we are Janoskie Financial & Associates, a financial organization in Columbia, MD. Janoskie Financial was founded to help individuals manage the financial areas that are important in their lives – income, education, retirement, and estates, just to name a few. We see ourselves as financial coaches to our clients. We work hard to go beyond the service level of the typical wealth management firm and serve as trusted coaches with whom you can rely for honest recommendations and advice tailored to your needs.
While any investment firm can provide product-specific advice, personalized recommendations from someone you trust can be more difficult to find. We believe that when it comes to investments and retirement strategies, trust is vital. We pride ourselves on the long-lasting, multi-generational relationships we build with our clients and their families.
Our philosophy is that we owe our existence to our clients. Our core belief is that their successes define our successes. Our goal is to work alongside our clients and be effective investment advisors for them.Contact Us
Global and International Funds
Investors seeking world investments can choose between global and international funds. What's the difference?
A Brief Guide To Condo Insurance
Important items to consider when purchasing condo insurance.
The Financial Literacy Crisis
Many Americans are operating their personal finances with only the barest minimum of knowledge.
Here are five facts about Social Security that are important to keep in mind.
Probate can be a completely public process, or it can be managed to include as little information as possible.
For many, retirement includes contributing their time and talents to an organization in need.
International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.
Gun owners need to make sure that their homeowners policy covers the full value of their firearm(s) as personal liability.
Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Estimate how long your retirement savings may last using various monthly cash flow rates.
Estimate how much you have the potential to earn during your working years.
Use this calculator to estimate your capital gains tax.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Use this calculator to better see the potential impact of compound interest on an asset.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Using smart management to get more of what you want and free up assets to invest.
There are a number of ways to withdraw money from a qualified retirement plan.
The importance of life insurance, how it works, and how much coverage you need.
Learn more about taxes, tax-favored investing, and tax strategies.
There are some smart strategies that may help you pursue your investment objectives
From the Dutch East India Company to Wall Street, the stock market has a long and storied history.
Would you guess that Millennials are effectively saving for retirement? Well, they are.
Are you ready for retirement? Here are five words you should consider.
What if instead of buying that vacation home, you invested the money?
The decision whether to buy or rent a home may have long-term implications.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.