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
Test Your Life Insurance Knowledge
How much do you know about one of the most important tools you have to help protect your and your family’s financial future?
U.S. Personal Savings Rate
What can be learned from the savings rate?
Countdown to College
Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
Getting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine.
Estate management can help ensure that your assets are transferred according to your wishes while managing tax issues.
You may be considering purchasing a vacation property, this can be an exciting milestone, but there are a few things to consider first.
Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic.
If your clients are buying or selling a home, use this to help them determine if they qualify for capital gains taxes.
The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estimate how much income may be needed at retirement to maintain your standard of living.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Enter various payment options and determine how long it may take to pay off a credit card.
Use this calculator to better see the potential impact of compound interest on an asset.
Using smart management to get more of what you want and free up assets to invest.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are some smart strategies that may help you pursue your investment objectives
How federal estate taxes work, plus estate management documents and tactics.
A presentation about managing money: using it, saving it, and even getting credit.
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
Coaches have helped you your whole life, in ways big and small. We'd like to be one of them.
Though we don't like to think about it, all of us will make an exit sometime. Are you prepared?
Here are five facts about Social Security that might surprise you.
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
There are three things to consider before dipping into retirement savings to pay for college.