Expert Tips to Prevent Identity Theft and Cybercrime

Posted by Haddad Nadworny on Sat, Aug 22, 2020 @ 07:01 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA



The Coronavirus pandemic has upended our lives on many levels. We do the best we can to stay on top of our finances, but stimulus checks, changes in tax filing dates, filing for unemployment benefits and other fallout of the pandemic have thrown us all a little off-balance and created a perfect breeding ground for scams and fraud.

We were recently invited to a virtual presentation given by Jeff Lanza, a retired FBI agent, who offered specific practices to help prevent fraud and keep our personal information from being compromised. He has 2 handouts for the public containing very useful information and easy to follow tips that we are sharing with you today. 

Identity theft & Cybercrime

For example, to protect your identity online, he suggests you think in terms of passphrases with 12 or more characters and presents solutions for passwords and password storage and protection. In many cases, it is just as valuable to know what not to do as knowing the right steps to take.  In the handout,  Jeff shares his view of what protective steps are effective and worth doing and those suggestions to be wary of. 

In terms of cybercrime, he discusses how to monitor your personal credit file and credit freezes, and how to stay safe from cyber fraud, email hijacking and account takeovers.

Please give the attached documents a read and we hope you find them helpful.

Preventing Identity Theft 

Preventing Cybercrime 

Please reach out to us with any changes or concerns that might effect  your financial planning. Let's try to stay safe out there on every level!

COVID concerns effecting your planning for the future?  Let's talk.



The ABLE Account: In US NEWS & Webinar TODAY!

Posted by Haddad Nadworny on Wed, Aug 05, 2020 @ 06:00 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

Featured in US News and World Report

US news and World ReportWe are proud to have Alex, John and Cindy featured in Friday’s US News and World Report article, What is an ABLE Account?”. The ABLE account, also known as a 529A account, is a tax-advantaged way for people with disabilities to build their own savings without impacting their eligibility for government benefits.  Please take a look at this helpful article that summarizes how the account works, who is eligible, contribution limits and approved uses for the funds.   Click here to take a look! 

ABLE Webinar Today!

ABLE-1Alex is the guest presenter for the Massachusetts Educational Finance Authority’s webinar, A Sibling’s Perspective: Special Needs Planning with the ABLE Account webinar this Wednesday at 6 PM. Alex will share her insight as a sibling of a brother with Down Syndrome and the financial planning needed to plan for his future. In addition, she will share her story and how she utilizes various tools, including ABLE, the tax-advantaged savings plan for individuals with disabilities, in her practice. RSVP here.

To read about additional planning strategies utilizing the ABLE account, visit our ABLE account page, the ABLE Account and Special Needs Planning, here

This is for general information only and is not intended to provide specific advice or recommendations for any individual, nor intended to be a substitute for specific individualized tax or legal advice. The investment strategies mentioned may not be suitable for everyone. Prior to investing in an ABLE account investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's ABLE program. Withdrawals used for qualified disability expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.


Tags: ABLE Accoount

Affinia On the Cover of Advisors Magazine

Posted by Haddad Nadworny on Fri, Jul 24, 2020 @ 08:00 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

Featured in Advisors Magazine 

Advisors Magazine Cover_July 2020

Let's catch up- we've had a lot going on this summer!

We are honored to announce that we are on the cover and are the feature article in the July 2020 edition of Advisors Magazine!  We feel the author did a great job capturing what our work with families of people with special needs is all about.  He explained our personal motivation in pioneering the field of special needs financial planning and how that has led to the founding of Affinia to carry forward our practice.  Please take a peek- click here!


Affinia by the garden


We are also excited to announce the launch of our new Affinia Financial Group website! Please click here to check it out- we’d love your feedback!




We are planning our Fall informational webinars - stay tuned for more information and in the meanwhile, please be safe and well and let us know if you are ready to begin your planning process. 

Let's start planning.


Tags: news and events

Retirees! RMD Waiver deadline extended

Posted by Haddad Nadworny on Wed, Jul 15, 2020 @ 06:30 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

RMD Rollback extended to August 31, 2020

Pexels_roll-of-american-dollar-banknotes-tightened-with-band-4386476The CARES Act (Coronavirus Aid, Relief, & Economic Security Act) enabled any taxpayer with an RMD due in 2020 from a defined-contribution retirement plan, including a 401(k) or 403(b) plan, or an IRA, to skip those RMDs this year. This includes anyone who turned age 70 1/2 in 2019 and would have had to take the first RMD by April 1, 2020. This waiver does not apply to defined-benefit plans.

The Internal Revenue Service has announced that anyone who already took a required minimum distribution (RMD) in 2020 from certain retirement accounts now has the opportunity to roll those funds back into a retirement account.  The 60-day rollover period for any RMDs already taken this year has been extended to August 31, 2020, to give taxpayers time to take advantage of this opportunity.  This repayment is not subject to the one rollover per 12-month period limitation and the restriction on rollovers for inherited IRAs.

If you have taken an RMD in 2020 and wish to roll those funds back into your retirement account, or have additional questions about your existing retirement account, please contact us. For savers/investors  considering rolling over an existing retirement account, we offer a complementary telephone consultation to discuss your individual situation.

Let's talk!

Tags: Retirement Planning

Topics for Your Financial Independence Day

Posted by Haddad Nadworny on Thu, Jul 02, 2020 @ 07:00 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA


Your Input Needed: Webinars for Fall

american-flag-flower-july-4th-1093645We wish all our readers a safe and happy Independence Day! 

We would like to ask for your help in outlining our Fall 2020 Webinar series. We have put together a list of topics in a survey that will take 1 minute to complete and is anonymous.  

Please let us know how we can help you plan your financial independence by clicking here to complete the survey.  Thank you!

CLICK to begin our 1 minute topic survey.





Tags: webinars

Applying for Government Benefits? Here's what to expect.

Posted by Haddad Nadworny on Thu, Jun 11, 2020 @ 11:45 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFA

Our educational outreach continues via webinar throughout the time of the  pandemic. Please contact Alex Nadworny via email - - to discuss an online presentation to your group.


Filing for SSI/SSDI: Expectations & Reality 

Webinar 🎧Tuesday, June 16 at 4 PM

deniedIn 2019, 2,015,200 individuals applied for social security disability benefits and 723,900 or 35.9% of those applications were granted. (Source: Social Security administration )

Our webinar features Mark Bronstein, JD, an attorney who has been working with individuals claiming SSI and SSDI for two decades.  He will walk you through what to expect when you file for Social Security and actions you can take that may help you maximize the lifetime benefits for yourself and your children.
We will present:
  • A high level view of eligibility requirements
  • Planning strategies for families
  • Case Examples

Please join us!



About Maximizing Resources for your Family Member 

The Filing for SSI/SSDI webinar will talk about maximizing the public resources available, however the most effective means to providing an individual the opportunity to achieve a full life is to maximize both public and private resources.

exhausted-mature-man-rubbing-nose-bridge-after-wearing-3974777Service providers continue to struggle with limited budget constraints and high staff turnover.  Families who have tired of receiving minimal supports and services will often utilize their own resources to supplement those needed.  Although every individual has their own personality and needs, many dreams have been realized by creatively pooling resources between several families. 

The best way to identify and obtain services is to go directly to the gateway for those services. It is important to be educated when calling them directly; it may be helpful to gather information from other families or advocacy agencies involved with or knowledgeable about that specific service area. Once you know and understand the "rules of the road", ask to speak with a manager. 

As Certified Financial Planner Professionals™, we focus upon maximizing the resources families have available to plan for both their financial security and for the lifetime needs of their child with a disability. Please join us on Tuesday, June 16 for our webinar and contact us to discuss whether we can help you maximize your resources to provide a full life for your child. 


Mark Bronstein and Law Office of Mark Bronstein are not affiliated with Affinia Financial Group, Special Needs Financial Planning, or LPL Financial.

 The information provided in the presentation is for general information only and should not be considered an individualized recommendation or personalized advice. We suggest that you speak to a legal advisor about your individual situation.

Tags: Government Benefits, Social security income

Special Needs Planning Webinars 🎧: Look, Listen and Learn🤓

Posted by Haddad Nadworny on Wed, May 27, 2020 @ 07:39 AM

The Special Needs Financial Planning Team John Nadworny, CFP, CTFA | Cynthia Haddad, CFP | Alexandria Nadworny, CFP,  CTFAOur educational outreach continues via webinar throughout the time of the  pandemic. Please contact Alex Nadworny via email - - to discuss an online presentation to your group.


Upcoming Webinars

THIS Thursday, May 28@4PM - Financial Planning with ABLE Accounts 

ABLEThis webinar will give an overview of ABLE accounts and their benefits in financial planning for individuals with disabilities. 

To RSVP, click here.

To learn more about the ABLE account, click here.


Wednesday, June 3@4PM- Life Insurance: Basics & Big Changes

BeneficiariesTune in on Wednesday, June 3@ 4PM for our webinar, Life Insurance: Basics & Big Changes.  This 30-minute webinar will include:

  1. Basics of life insurance, who needs it and how to get it.
  2. Trends in the Life Insurance industry.
  3. Planning strategies with life insurance.

We are pleased to welcome Joseph Sullivan, CFP®, CLU®, ChFC®, a Senior Advanced Insurance Consultant at LPL Financial, who will bring us up to date on underwriting changes that impact inforce as well as new policies and the substantial impact current ultra-low interest rates have had on premiums and pricing.

We will also share scenarios where life insurance may be used in planning for both individuals and special needs trusts.


Tuesday, June 16@4PM-  Social Security Programs Relevant to Parents of Children with Special Needs

Social Security-1We are excited to present this webinar, given by subject matter expert and guest speaker Mark Bronstein, giving an overview of the programs offered by Social Security and where they might fit into a life plan at different stages of your child’s life.

Attorney Mark Bronstein has been representing individuals in disability benefit claims since 1980. He is a nationally recognized leader in his field and frequently writes and speaks on disability law-related topics for attorney and health professional groups, community organizations and chronic illness support groups.  RSVP


Tags: Special Needs Financial Planning