Janoskie Financial & Associates

Janoskie Financial & Associates Janoskie Financial guides individuals & families by managing their wealth & planning for retirement. We see ourselves as financial coaches to our clients.

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 work hard to go beyond the service level of the typical wealth management firm and serve as trusted coaches with whom you can re

ly 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. Investment Adviser Representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA / SIPC, a Broker-Dealer and Registered Investment Advisor. Cetera is under separate ownership from any other named entity.

08/05/2026

Trump Account update: Tommy’s account is officially activated! ✅

Here’s what’s next after registration - from verifying information and activating the account - to the government contribution timeline and how family members can contribute. Follow along as I continue documenting the process and sharing updates!

Reach out if you have questions about whether a Trump Account fits into your family’s financial plan.

A summer job can be more than just extra spending money.If your child has earned income this summer, they may be eligibl...
07/23/2026

A summer job can be more than just extra spending money.

If your child has earned income this summer, they may be eligible to contribute to a Roth IRA. The earlier they start investing, the more time their money has to benefit from compound growth.

A small contribution today could make a meaningful difference decades from now.

Curious if a Roth IRA is the right next step? Reach out to Janoskie Financial today. We're happy to answer your questions and help you get started. https://calendly.com/taylorjanoskie

Most people picture retirement as one long season of travel, golf, or time with the grandkids. But what if it's actually...
07/21/2026

Most people picture retirement as one long season of travel, golf, or time with the grandkids. But what if it's actually made up of distinct phases, each with its own opportunities, decisions, and challenges?

A recent article from the MIT AgeLab introduces retirement in four phases
1. The Honeymoon Phase
2. The Big Decision Phase
3. The Navigating Longevity Phase
4. The Solo Journey Phase

It's a helpful reminder that retirement planning isn't just about reaching a certain number. It's about preparing for the life you'll live over the next several decades—and having a plan that can adapt as your needs and goals change.

If you're ready to create a retirement strategy that evolves with you, let's start the conversation. https://calendly.com/taylorjanoskie

07/17/2026

What happens to a 529 Plan if your child decides not to go to college?

Many parents worry about this, but the good news is that 529 Plans may offer more flexibility than you think.

Watch the video to learn more, and reach out if you have questions about education planning or saving for your child's future.

Back-to-school season is about more than preparing children for the classroom—it's an opportunity to prepare them for li...
07/14/2026

Back-to-school season is about more than preparing children for the classroom—it's an opportunity to prepare them for life.

The financial habits children develop today can help shape the decisions they make for years to come. 👉Swipe for a few simple ways to start those conversations at home.

If you'd like guidance on planning for your family's financial future, we're here to help.

Many people want to grow their money in the market. They just don't love the idea of losing a large portion of it when m...
06/25/2026

Many people want to grow their money in the market. They just don't love the idea of losing a large portion of it when markets get rocky.

That's one reason I've been having more conversations about Buffer ETFs in recent years.

These investments are designed to provide a level of downside protection while still allowing individuals to participate in market growth.

They're not the right fit for everyone, but for some people, they can help create a balance between growth potential and greater confidence in their financial plan.

Have questions about Buffer ETFs? Feel free to reach out.

Can you believe we're already halfway through the year?A lot can change in six months. Whether you've experienced a care...
06/23/2026

Can you believe we're already halfway through the year?

A lot can change in six months. Whether you've experienced a career change, growing family, major purchase, or shifting financial goals, now is a great time to revisit your financial strategy.

A mid-year review gives us an opportunity to catch up on what's changed in your life, review your portfolio, and make sure your plan is still aligned with your goals.

If it's been a while since we've connected, schedule a time to chat: https://calendly.com/taylorjanoskie

The American Dream starts at home.🏡 For many families, homeownership remains one of life's biggest milestones. And while...
06/17/2026

The American Dream starts at home.🏡 For many families, homeownership remains one of life's biggest milestones. And while today's market may have some buyers waiting for the right opportunity, that doesn't mean your financial plan should stand still.

This National Homeownership Month, take a moment to think about how your homeownership goals fit into your long-term financial future.

Whether you're saving for your first home, planning your next move, or simply evaluating your options, we’d be happy to help you connect those goals to the bigger picture.

Book a call to get started: https://calendly.com/taylorjanoskie

06/11/2026

We all want to help our kids succeed financially. But it's important to remember that supporting your children and saving for retirement don't have to be competing goals.

The goal isn't choosing one over the other- it's finding the right balance between helping your children and protecting your own financial future.

If you'd like to discuss strategies for balancing retirement savings with your family's goals, let's connect.

Having a retirement plan isn’t the same as understanding it. It’s easy to assume everything is on track without ever see...
06/04/2026

Having a retirement plan isn’t the same as understanding it. It’s easy to assume everything is on track without ever seeing how it actually works.

We take a different approach.

Using tools like Income Lab, we walk you through your plan step by step so you can see:
- Where you stand today
- How much can you safely spend
- How your plan adjusts when markets change

Because confidence in retirement doesn’t come from projections alone, it comes from understanding how your plan actually holds up.

If you’re ready to see your plan this way, let’s start the conversation. https://calendly.com/taylorjanoskie

Address

10805 Hickory Ridge Road, Ste. 215
Columbia, MD
21044

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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