Set Apart Investing

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Set Apart Investing Damian is the founder of Set Apart Investing, a faith-based financial planning practice. Goyer Rd., Kokomo, IN 46902. 765-453-9600.

He specializes in retirement planning, Medicare, insurance solutions, and biblically responsible investing, helping clients make financial decisions that honor God. I am a follower of Christ who was saved in 1995 in a small church in Brentwood, California. I am a sinner saved by grace who is so grateful Jesus died for my sins before I knew him. I enjoy helping individuals and families reach their dreams and goals through comprehensive planning and wealth management strategies. How we reach those goals is as important as reaching the goals themselves, so we also help our clients align their capital with their beliefs. Advisory Services are offered through Creative Financial Designs, Inc., a Registered Investment Advisor. Securities are offered through CFD Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704S. Set Apart Investing is not affiliated with the CFD companies.

📬 MEDICARE WEDNESDAYHave you received your Annual Notice of Change (ANOC) letter?DON’T TOSS IT! 📨If you have a Medicare ...
09/30/2026

📬 MEDICARE WEDNESDAY

Have you received your Annual Notice of Change (ANOC) letter?

DON’T TOSS IT! 📨

If you have a Medicare Advantage or Medicare prescription drug plan, your ANOC explains changes to your plan for the upcoming year.

Take a few minutes to review changes that may affect your:

✅ Coverage
💰 Premiums and other costs
👨‍⚕️ Provider network
💊 Prescription drug coverage
📋 Benefits

Even if you’re happy with your current plan, it’s important to understand what may be changing for 2027.

Medicare Open Enrollment runs October 15 through December 7. This is an opportunity to review your current coverage and compare your options for the coming year.

Not sure what your ANOC means or how the changes may affect you? I’m available to help you understand your Medicare options.

Damian Smith
Licensed Insurance Agent
Set Apart Investing

📞 603-557-4770
✉️ [email protected]
🌐 SetApartInvesting.com
📍 3 Homestead Way, Suite 3
Richmond, ME 04357

FINANCIAL PLANNING FRIDAY 📋A good financial plan shouldn't only work when everything goes right.What happens when life d...
09/25/2026

FINANCIAL PLANNING FRIDAY 📋

A good financial plan shouldn't only work when everything goes right.

What happens when life doesn't follow the plan?

🚗 An unexpected major expense
📉 A difficult year in the markets
💼 A job change or loss of income
🏥 An unexpected health expense
🏠 A major home repair
⏰ Retirement arriving sooner than expected

Financial planning isn't about predicting every problem.

It's about preparing your finances so one unexpected event doesn't have to derail years of progress.

That means looking beyond investments and considering your emergency savings, insurance, debt, retirement income, risk tolerance, and long-term goals together.

And that's one of the values of working with a financial advisor: having someone help you ask the “what if?” questions before they become “what now?” questions.

📖 “The prudent sees danger and hides himself, but the simple go on and suffer for it.”
— Proverbs 22:3 (ESV)

Is your financial plan prepared for a bad year—not just a good one?

Damian Smith
Investment Advisor Representative
Set Apart Investing
📞 603-557-4770
🌐 SetApartInvesting.com

09/23/2026

“If we found on Mars what we find in the womb, there would be no doubt life was discovered.” – Garrett Kell

SCRIPTURE SUNDAY ✝️“Seek first.”Three simple words that can completely change our priorities.The world constantly encour...
09/20/2026

SCRIPTURE SUNDAY ✝️

“Seek first.”

Three simple words that can completely change our priorities.

The world constantly encourages us to seek more—more success, more possessions, more recognition, more security.

But Jesus gives us a different priority:

Seek God first.

Before our plans.
Before our ambitions.
Before our worries.
Before everything else.

📖 “But seek first the kingdom of God and his righteousness, and all these things will be added to you.”
— Matthew 6:33 (ESV)

Whatever this week brings, may we remember where our first priority belongs.

Seek Him first. 🙏

📣 SOCIAL SECURITY SATURDAYAre you planning to collect Social Security while you’re still working?Your paycheck could aff...
09/19/2026

📣 SOCIAL SECURITY SATURDAY

Are you planning to collect Social Security while you’re still working?

Your paycheck could affect your Social Security check.

If you claim Social Security before reaching your full retirement age and continue working, Social Security’s earnings test may cause some of your benefits to be temporarily withheld.

For 2026:

💰 Under full retirement age all year:
The earnings limit is $24,480.
Social Security generally withholds $1 in benefits for every $2 you earn above the limit.

📅 Reaching full retirement age in 2026:
The earnings limit is $65,160 for the months before you reach full retirement age.
Social Security generally withholds $1 for every $3 earned above the limit.

✅ Beginning with the month you reach full retirement age:
There is no earnings limit under the retirement earnings test.

And here’s an important point: benefits withheld because of the earnings test aren’t necessarily lost forever. Social Security recalculates your benefit at full retirement age to account for months benefits were withheld.

Social Security isn’t just about deciding WHEN to file.

Your work plans, income needs, retirement goals, and overall financial plan can all be part of the conversation.

Before you claim, understand how working may affect your benefits.

Damian Smith
Investment Advisor Representative
Set Apart Investing
📞 603-557-4770
🌐 SetApartInvesting.com

💡 WISDOM WEDNESDAYHaving investments isn’t the same as having a financial plan.A 401(k), IRA, brokerage account, or othe...
09/09/2026

💡 WISDOM WEDNESDAY

Having investments isn’t the same as having a financial plan.

A 401(k), IRA, brokerage account, or other investment can be an important piece of your financial future—but it’s still just one piece.

A comprehensive financial plan can help bring together:

📈 Investments
🏖️ Retirement goals
🛡️ Insurance
⚖️ Risk tolerance
💵 Social Security

This is where working with a financial advisor can add value.

An advisor can help you understand your goals, evaluate your timeline and risk tolerance, and develop a strategy designed around your individual circumstances.

The goal isn’t simply to own investments.

The goal is to have the different pieces of your financial life working together toward what matters most to you.

📖 “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”
— Proverbs 21:5 (ESV)

Do your investments fit into an overall financial plan?

Damian Smith
Investment Advisor Representative
Set Apart Investing
📞 603-557-4770
🌐 SetApartInvesting.com

09/05/2026

Winging your financial future is a risky flight plan. Let's make sure you have a solid strategy before takeoff.

SOCIAL SECURITY SATURDAYYour neighbor filed for Social Security at 62. Someone else waited until 70.That doesn’t mean ei...
09/05/2026

SOCIAL SECURITY SATURDAY

Your neighbor filed for Social Security at 62. Someone else waited until 70.

That doesn’t mean either choice is right for you.

Your Social Security decision should be based on your personal retirement goals—not someone else’s strategy.

COULD YOU HANDLE A $1,000 FINANCIAL SURPRISE TODAY?🚗 A car repair.🏠 An unexpected home expense.🩺 A medical bill.💳 A high...
09/02/2026

COULD YOU HANDLE A $1,000 FINANCIAL SURPRISE TODAY?

🚗 A car repair.
🏠 An unexpected home expense.
🩺 A medical bill.
💳 A high deductible or copay.
🔧 An appliance that suddenly needs to be replaced.

Life happens—and unfortunately, unexpected expenses don't usually wait until we're financially ready for them.

That's where an emergency fund can help.

Having money specifically set aside for unexpected expenses may help you handle life's financial surprises without immediately turning to credit cards or taking on additional debt.

An emergency fund isn't money doing nothing.

It's money waiting to protect your financial plan.

If you're just getting started, don't be discouraged by the size of your goal. Start with what you can and build consistently over time.

Preparation today can provide greater financial flexibility tomorrow.

📖 “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.”
— Proverbs 21:20 (ESV)

How prepared is your household for the unexpected?

Damian Smith
Investment Advisor Representative
603-557-4770
SetApartInvesting.com

09/02/2026

Could you handle a unexpected $1,000 expense right now? Building an emergency fund today brings peace of mind tomorrow.

Address

3 Homestead Way Suite 3
Richmond, ME
04357

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm

Telephone

+16035574770

Website

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