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
What Is a 1035 Exchange?
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
A Brief History of Estate Taxes
Federal estate taxes have long since been a lucrative source of funding for the federal government.
What If You Get Audited?
The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.
How much do you know about one of the most important tools you have to help protect your and your family’s financial future?
A change in your mindset during retirement may drive changes to your portfolio.
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
Without a solid approach, health care expenses may add up quickly and potentially alter your spending.
Thanks to the work of three economists, we have a better understanding of what determines an asset’s price.
Tax preparation may be the perfect time to give the household budget a check-up.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Use this calculator to better see the potential impact of compound interest on an asset.
This calculator compares the financial impact of leasing versus buying an automobile.
Estimate how much you have the potential to earn during your working years.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Learn more about taxes, tax-favored investing, and tax strategies.
There are a number of ways to withdraw money from a qualified retirement plan.
There are some smart strategies that may help you pursue your investment objectives
The importance of life insurance, how it works, and how much coverage you need.
How federal estate taxes work, plus estate management documents and tactics.
A presentation about managing money: using it, saving it, and even getting credit.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
How will you weather the ups and downs of the business cycle?
In life it often happens that the answers to our most pressing questions are right in our own backyards.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
Agent Jane Bond is on the case, uncovering the mystery of bond laddering.
$1 million in a diversified portfolio could help finance part of your retirement.