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.

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

There’s a moment early in retirement that catches many people off guard. You wake up, and there’s nowhere you need to be...
06/02/2026

There’s a moment early in retirement that catches many people off guard.

You wake up, and there’s nowhere you need to be.

At first, that quiet feels like a relief. And then the question comes.
Now what?

Retirement isn’t just a schedule change. It’s a shift in routine, identity, and even how money feels. After years of saving, spending can take getting used to, even when the numbers work.

The first year isn’t about having everything figured out. It’s about finding your rhythm. Retirement creates space. You get to decide what fills it.

If you’d like to talk through what this next phase could look like for you, we’re here. Book a consultation today: https://calendly.com/taylorjanoskie

Many people don’t fully understand how ETFs work.Exchange-Traded Funds, or ETFs, give you access to a diversified mix of...
05/28/2026

Many people don’t fully understand how ETFs work.

Exchange-Traded Funds, or ETFs, give you access to a diversified mix of assets like stocks or bonds within a single investment.

They’re often seen as a simple and cost-efficient option, but how they fit into a strategy isn’t always clear.

We see this come up often in conversations, and in some cases, it can lead to missed opportunities or decisions that don’t fully align with long-term goals.

Here are four ETF myths worth taking a closer look at.

04/29/2026

If your child was born in 2025 or 2026, make sure you set up your Trump Account before July 4th, 2026.

My son, Tommy, may not fully understand it yet, but he seems pretty excited about getting started.

Setting up your account NOW, helps ensure your child is ready and eligible for the initial $1,000 contribution.

Want help deciding how this fits into your plan? Email me at: [email protected] to start the conversation.

Retirement planning isn’t just about how much you’ve saved. It’s about how long it lasts.Health care. Inflation. Taxes. ...
04/22/2026

Retirement planning isn’t just about how much you’ve saved. It’s about how long it lasts.

Health care. Inflation. Taxes. These “HITs” can quietly chip away at your income over time.

A thoughtful plan can help you prepare for them. Schedule a conversation with Financial Advisor, Taylor Janoskie, to get started: https://calendly.com/taylorjanoskie

Don’t forget, you have just one week left to contribute to your IRAs for the 2025 tax year. If you’re under 50, you can ...
04/08/2026

Don’t forget, you have just one week left to contribute to your IRAs for the 2025 tax year. If you’re under 50, you can contribute up to $7,000. If you’re 50 or older, that increases to $8,000.

Once the April 15th deadline passes, the window to make contributions for the 2025 tax year closes for good.

Not sure how much to contribute? Schedule a quick check-in before the deadline. https://calendly.com/taylorjanoskie

Now that everyone’s filled out their bracket, here is one more worth paying attention to: the cost of college.With some ...
03/19/2026

Now that everyone’s filled out their bracket, here is one more worth paying attention to: the cost of college.

With some schools exceeding $300K for a 4-year degree, there’s no last-minute comeback when it comes to tuition. The families who plan early have more options, more control, and fewer surprises.

If college is in your child’s future, it’s time to start building a strategy. Reach out to get your plan in place. https://calendly.com/taylorjanoskie

In 2026, women are shaping the future of wealth. With longer life expectancies and career interruptions for caregiving, ...
03/12/2026

In 2026, women are shaping the future of wealth.

With longer life expectancies and career interruptions for caregiving, women often face more complex financial decisions over a lifetime.

Intentional planning can help ensure your strategy supports your goals, your timeline, and the life you want to build. If it’s time to revisit your plan, let’s have that conversation: https://calendly.com/taylorjanoskie

The Medicare General Enrollment Period ends March 31.⚕️🗓️If you missed enrolling in Part A or Part B when first eligible...
03/10/2026

The Medicare General Enrollment Period ends March 31.⚕️🗓️

If you missed enrolling in Part A or Part B when first eligible and do not qualify for a Special Enrollment Period, you may still be able to sign up now. Coverage begins the month after you enroll.

Review your healthcare needs and visit Medicare.gov for details. Reach out to Janoskie Financial if you would like help coordinating Medicare with your retirement plan.

02/25/2026

A major shift is happening in the Financial Advisory industry.

Nearly 40% of Advisors are expected to retire in the next decade, while families’ financial lives are becoming more complex than ever. The challenge ahead isn’t a shortage of clients, it’s a shortage of Advisors prepared to serve them long-term.

As a Financial Advisor under 35, I’m intentionally building a practice designed to grow with families for decades. If you’re looking for a long-term financial partner, now is a great time to start the conversation.

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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