Janoskie Financial & Associates is a financial advisory firm based in Columbia, Maryland, serving clients in Columbia and Mt. Pleasant, South Carolina. The firm describes its role as that of a financial coach, offering personalized guidance and ongoing support to individuals, families, professionals, pre-retirees, and small-business owners. Its approach begins with understanding each client’s finances, goals, time horizon, and tolerance for risk, then developing and maintaining a strategy as circumstances change.

Services include retirement planning, investment advice, wealth management, portfolio construction and risk management, estate strategies, insurance, and tax-related resources. The firm also offers guidance for professionals building wealth and for clients at different stages of life. Its three-step process—setup, strategize, and execute—provides a framework for creating and adjusting a financial plan. Clients can use tools such as AdviceWorks to visualize goals and support planning, along with a risk questionnaire that produces a Risk Number. Janoskie Financial emphasizes trusted relationships, clear communication, and recommendations tailored to clients’ needs. Securities and advisory services are offered through Cetera-affiliated entities.