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Welcome to the Financial Advocate Podcast - Formerly known as "The Special Needs Connection" & "Caring For Aging Parents." We found ourselves sharing podcasts to both shows so we decided to combine them into one podcast! You will continue to find strategies, resources and connections for dealing with the emotional, physical, and financial challenges of aging parents and raising children with special needs. Hosted by Colin Meeks, a Certified Financial Planner focusing on Eldercare Financial P ...
 
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This podcast discussion is about the difference between financial planning and investment planning. Financial planning is looking at the big picture : a collaboration of estate planning, tax planning, investment planning, insurance planning, healthcare, etc. Multiple professionals working together to help an individual reach their goals. It tak ...…
 
This episode is a conversation between Colin Meeks and myself, Ryan Stark, about our experiences helping people undo some of their financial decisions. We also tell a few stories about when we couldn't undo something, unfortunately; not everything can be undone.
 
There are more than 3 things, but these are important and a good place to start for things to look out for. Remember to set a plan and stick to it. We routinely suggest not changing the plan unless your life changes. Investing is a long term game.
 
This podcast is about insurance in general. It describes some of the different kinds and how we use them to plan, especially for special needs planning. We use both cash value/permanent and term insurance depending on the situation. We may even use Universal Life, which is a combination of whole life and term. It all depends on your situation!…
 
What is Adult Prep? Check out this blurb directly from their website: https://adult-prep.com/about-us/ "Adult Prep teaches life skills to high schoolers, enabling them to be able to stand on their own two feet when they leave home. Imparting the skills needed to successfully transition to adulthood, Adult Prep creates a mindset empowering young ...…
 
This is just a little insight about common financial products that are often misunderstood. There are bad products; however, most of the time the product isn't bad but its use was bad. Products work best in certain situations and are never one size fits all answers. It is important to make sure you always understand what you are investing in. I ...…
 
This is another case study where we review the basics of a new case. We can't share too many details but we are able to share enough to give you a good view or how we work and the common situations we run in to.
 
Directly from sethsmom.org: About Seth’s Mom So, what about Seth’s Mom? We are the FREE NOW FREE FOREVER premier information, news, entertainment, education web portal. What started as an idea in 2015 by Dr. Monique Day, Seth’s Mom was launched in May 2017 as a bridge between families and individuals diagnosed with disabilities and the wealth o ...…
 
This is a discussion between Colin Meeks and Ryan Stark about the value an advisor should bring. We discuss value vs. cost and how a financial advisor should bring you enough value to decrease the effects of the cost. For example, hopefully as advisors we are able to save you enough money so they cost is there, but it does not effect your botto ...…
 
Here we talk about "selling" and what this word means to us as financial advisors. Please consider sharing if you enjoy the podcast. Thanks!
 
This is how much it costs to work with us. Surprisingly, we never get asked how we make money. We always end up explaining it to people so they understand how much we make from each thing we are doing, whether that be providing life insurance or producing a full financial plan and managing money. Listen to one of our most transparent episodes f ...…
 
This is a recorded episode of our podcast 'The Financial Advocate' about timing the market. This is our opinion on trying to buy low and sell high and trying to invest at the right time. We get into some of our investing philosophy! Feel free to get in touch with us if you have any questions - ryan.stark@lpl.com…
 
This is a real case study we did for one of our recent new relationships. We are working with a really great person and on top of that the situation was just busy enough for us to discuss. Listen to this podcast if you are curious about our process and how we handle our typical client.
 
Andrew Komarow, MSFS AEP® AIF® CAP® CASL® CFP® CHFC® CHSNC®CLU® FSCP® REBC® RHU® RICP® Founder and President Andrew has been with us since the beginning and is the creator of Planning Across the Spectrum. Andrew is an advocate throughout Connecticut and throughout New England for Autism awareness as well as a CERTIFIED FINANCIAL PLANNER™ and co ...…
 
OUR MISSION: The National Down Syndrome Society is the leading human rights organization for all individuals with Down syndrome. Our Vision The National Down Syndrome Society envisions a world in which all people with Down syndrome have the opportunity to enhance their quality of life, realize their life aspirations and become valued members of ...…
 
Better late than never! Here is the 2018 Year End Review about the market, crazy events and other podcasts we have done this year. Sorry if some of the content seems untimely. We have to get everything approved through a compliance department so sometimes our podcasts or videos are a week late due to the review. Thanks for understanding and tha ...…
 
This podcast case study is short sweet and to the point. Find out why we think most individuals would benefit from speaking with a financial advisor. This doesn't mean you need a long term or ongoing relationship with an advisor; however, simply sitting down with one once a year or even less can still be extremely beneficial for your financial ...…
 
Do you have a parent or spouse that may need to consider moving into a nursing home? This episode describes one way to prepare for nursing home costs and it is called the Medicaid Compliant Annuity. It offers you a way to save the hard earned money you saved over the years rather than spend it all in the first 2 years of nursing care. This is a ...…
 
My name is Lorraine Ell I’m the CEO of Better Money Decisions (B$D) and co-author of the blog Better Financial Decisions. As a principal of B$D, I’m excited to continue my long career as an investment professional which started when I worked in the 1980s as an advisor with Drexel, Burnham and Lambert and J.W. Charles and as co-owner of a Regist ...…
 
This is a real estate update with Mike Klijanowicz. His contact information can be found below. He is a local guy and we are located in Baltimore, MD. However, that doesn't mean Mike can't help you answer a few questions if you have them! There is a contact form on the website below if you prefer to us that, or you can call using the number bel ...…
 
"As a wife to Lamar and mom to Juliana and Jessa, I’m a passive journal writer. It means I have a journal that stays by my bed and I write in it every now and then to record life’s peaks and valleys. But Juliana’s Journal is something different. When my husband and I accepted the responsibility of fostering a six day old baby, I didn’t know up ...…
 
"Christopher S. Norman has the unique honor of having been named a “Super Lawyers Rising Star” first for his work defending healthcare providers, and most recently for his work advocating on behalf of injured patients. Chris leverages the “inside knowledge” that he gained as a “Rising Star” medical malpractice defense attorney in his unrelentin ...…
 
Annuities can be good or bad depending on the product and the situation. Products have to serve a specific purpose and never a one size fits all solution to a problem. Commercials, Radio shows, advertisements can display annuities as good or bad but it is always dependent on your situation. Listen to this case study about annuities and make sur ...…
 
The stock market can be a scary place. No one can predict what is going to happen, regardless of the software used or the intelligence of the guy on the TV or radio, no one really knows, not even us. However, we do know a few consistent factors that seem to stick around, such as: the stock market goes down and it goes back up (as long as you ar ...…
 
Life Insurance is an important piece of the financial planning puzzle. However, not everyone needs life insurance. For example, we work with a lot of individuals who are deep into retirement, their kids are adults and the house is paid off. This person may still need life insurance for their spouse but in a lot of these cases, after analyzing t ...…
 
This is another case study about how we do business, but different than our previous podcast about our specific process step by step. We do mention the process again here but it is important to notice the situation that occurs and why we stick to said process. We believe as financial planners it is our duty to prepare you for a full financial p ...…
 
ABLE Account update. We will continue to make videos about this account as it changes, providing you with updates as they happen. This account is still very new and we expect changes to continue. Stop back and check us out every once and a while to see if there have been any more changes! We have a lot of resources on our website as well: www.M ...…
 
This case study is about caring for your aging parents and keepings an eye on their investments, especially if your parents are showing signs of cognitive impairment. This New York Times Article tells a story about a family dealing with a broker who made excessive trades in order to gain more commissions. It is important to always review your s ...…
 
This was a great podcast interviewing Rosemary Calderalo, Director of Gift Planning at the Baltimore Community Foundation (BCF). We talk about the many ways you can invest in Baltimore using the many funds provided by BCF. You may research their website to learn more but I would suggest spending less time on the website and more time calling an ...…
 
Michelle Fritsch, Pharm.D. is back! She was on our podcast previously where she discussed her first business, Meds MASH. Meds MASH provides services such as medication management, assessment of risk, safety assessments and healthcare coaching. The episode is called "Managing Your Parents Medications." It was our 4th episode so you may have to s ...…
 
This episode highlights the 2018 Tax updates directly from CPA and CFP® Ryan Levy. We discuss deducting real estate taxes, itemizing and the new standard deduction and charitable distributions. Interesting fact, you may use your charitable distribution as your Required Minimum Distribution - RMD. Thanks for listening! If you are interested in s ...…
 
Death is an uncomfortable subject, but a necessary one to discuss. In my opinion, it is wrong to hide from estate planning and it is selfish. I know that sounds harsh, but allow me to explain. You have all of these hard earned assets - money, cars, homes, etc. - and you have 3 children. One of the children is the go getter, the one who does the ...…
 
This is a podcast interview with Colin Meeks and Dr. Susan Daniels from the NIH. Dr. Daniels is Director of the Office of Autism Research Coordination at the National Institute of Mental Health (NIMH)/NIH and manages the Interagency Autism Coordinating Committee (IACC), a federal advisory body that collects public input and provides advice to f ...…
 
This is a podcast case study about Aretha Franklin, Death Without A Will. There are numerous cases of wealthy super starts that have failed to execute proper estate planning. Not even a will? It is hard to believe for us in the world of financial planning but we see it far too often. Here we discuss the importance of basic estate planning and b ...…
 
Estate planning is a huge part of the financial planning process. "What if you die?" is a morbid but necessary question. Where do you want your assets to go? Beneficiaries make the financial transfer of assets as painless as possible and all it takes it filling out a name on a form yet we find this section often goes overlooked. If there is no ...…
 
"100% of money raised will be donated to Autism Speaks. Now in it’s 12th year, Autism Speaks has grown into the world's leading autism science and advocacy organization, dedicated to funding research into the causes, prevention, treatments and a cure for autism; increasing awareness of autism spectrum disorders; and advocating for the needs of ...…
 
Colin and Ryan discuss what drives people to get advice. What drives you to make a move? There are many factors that drive people to begin planning, listen to find out what Colin and Ryan see the most often. Sometimes life presents a problem that has to be solved right away and other times you just "decide" to see an attorney for estate plannin ...…
 
Nervous about paying a fee when you sit down with someone? Why is it that some advisors are free and some charge? Listen to this case study to find out why we charge a fee to meet and why it is beneficial for you to pay! We believe free advice is free advice. In our industry, someone sitting down with you for free is most likely a young advisor ...…
 
We have been doing a lot of research with 529 plans because of college savings and the newly introduced ABLE Accounts. After you get done with this podcast, check out our previous podcast posted specifically about ABLE Accounts! "Paul Curley, CFA, is Director of College Savings Research at Strategic Insight, where he oversees data, research, co ...…
 
Bette Ann Mobley is the Director at Maryland ABLE and does amazing work with the special needs community. This is a podcast you won't want to miss! This is all about the ABLE Account! This account can be an extremely helpful tool in helping you afford the costly lifestyle that comes with your special needs person. This account isn't just for po ...…
 
Angela Lello is the Senior Director of Public Policy for the Autism Speaks Advocacy Team. Earlier this year, there was an announcement that RAISE Family Caregivers Act was signed into law! But, what does that means for families and caregivers? Check out this weeks episode to get some more details! You can find out more about Ms. Lello and the a ...…
 
"Illness has no off season, no matter the outcome we know the game is never over. The Team Up For 1 Foundation (TU41) mission is to enhance the quality of life for children (and their families) with developmental disabilities, chronic and life threatening illnesses. TU41 engages the sports world by matching children with teams from every compet ...…
 
Cathy Schmidt Founder andExecutive Director PATH International Registered Therapeutic Riding Instructor and Certified Equine Specialist in Mental Health and Learning "Established in 2003, CTR’s mission is to “encourage healing and celebrate life with individuals and groups whose minds, bodies and spirits will benefit from the transformative con ...…
 
Check this bio out below, see their three newly released titles from their social book series "Lou Knows What To Do" & much more on their website: http://www.sociabilitybooks.com/about.html Kimberly Tice, M.S, CCC-SLP has over 10 years experience working with individuals with autism spectrum disorder (ASD) as a certified special education teach ...…
 
I have been on a mission to help others restore themselves to a vibrant and healthy state, using holistic approaches that empower you to take back your life. I firmly believe that just because you have a challenging child doesn’t mean you have to be “sick” with stress, worry, or despair. You can find emotional well­being, peace, and happiness a ...…
 
My approach in health coaching helps you recover your child from symptoms of: ▪ Autism ▪ ADHD ▪ Sensory Processing Disorder ▪ “Almost autism” ▪ PDD-NOS "This type of coaching supports your child’s adrenal health and thyroid health while controlling inflammation, which is a hallmark of neurodevelopmental disorders. I can teach you which diet, li ...…
 
Rich Weinfeld describes the importance of collaboration between parent and school staff when planning for students with special needs; his online training program for parents and professionals who want to learn to be more effective advocates for student with special needs. He also discusses the yearly Diamonds in the Rough Conference that train ...…
 
Check out our newest podcast about the increasingly popular #ABLEaccount. Our special guest Adam C. Zimmerman - Attorney and Maryland Financial Advocates own Colin and Ryan talk about ABLE accounts, special needs trusts, the limits involved with qualifying for SSI, and much more. Please share this podcast with anyone or any family dealing with ...…
 
We offer a dynamic educational program for intellectually curious students with challenges in the areas of communication, socialization, pragmatic language, and organization. Our program is appropriate for students who can learn successfully and appropriately in a small classroom setting. Auburn's program simultaneously supports the development ...…
 
In this quick yet informative interview, Britt Stouffer explains the basics of special needs trusts and how they may help in your plan. Special Needs benefits are complicated and delicate. If the beneficiary receives too much income, they could be disqualified for a period of time from Social Security benefits. A Special Needs Trust allows for ...…
 
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