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Holliston June 2020

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June 2020 Holliston Local Town Pages www.localtownpages.com Page 3

Your Money, Your Independence

Proactive Planning and Health Remain Critical

There are many aspects

impacting our society beyond

COVID-19 as we collectively

navigate together.

Consider in 8 weeks, 36.5 million

Americans of 155.7 million

employed in February have filed

for unemployment. For MA,

1,053,000 or more than a quarter

of the workforce from February

are now unemployed.

On 4/28, Reuters “U.S. Medical

Testing, Cancer Screenings

Plunge” cited examples across

COVID-19

continued from page 3

https://helplinema.org/ (800)

327.5050 Helpline for treatment

information and support.

Online intergroup for AA meetings:

http://aa-intergroup.org/

Online and remote resources

for substance treatment and recovery:

https://drugfree.org/

parent-blog/covid-19-onlineand-remote-resources-for-addiction-support/

Virtual Substance Use Recovery

Resources: https://www.samhsa.

gov/sites/default/files/virtualrecovery-resources.pdf

Learn to Cope: https://www.

learn2cope.org/

for people who have a loved

one with substance use disorder

or in recovery. Virtual support

group meetings available.

Alateen https://al-anon.org/

newcomers/teen-corner-alateen/

Teens can be impacted by

having a loved one who struggles

with misuse of alcohol.

the country where cancer screenings

were down 68%, cholesterol

panels fell 67% and outpatient

office visits fell nearly 60%. The

reason, perception of hospitals

overrun and fear of becoming

infected.

Harsh realities that need balance,

diligence and strategy with

your personal changes, finances,

and health. Whether you have

been impacted or feel shielded by

WFH, don’t naively put off proactive

steps for what’s next.

Everyone’s situation is different.

So too are the options and

weighting of taxation, expenses,

penalties and opportunity costs.

SUBSTANCE USE DISORDER SUPPORT:

Here are some starting points to

explore or seek help from a CFP.

CARES Act for IRA Withdrawals

- If diagnosed with coronavirus

or suffer financial harm due

to coronavirus (i.e. job loss), can

take up to $100,000 without the

10% premature withdrawal penalty.

Additionally, income tax due

can be spread over 3 years with

the option to return some or all

of the funds to an IRA within 3

years.

Home Equity Line of Credit

(HELOC) - I stress with clients to

establish when times are good,

keep the balance at $0 and have

access for emergencies. Today,

Alateen is a space for teens to

come together in a safe space

if they have a person in their

life who struggles with alcohol.

In-person support might not be

available at this time given the

COVID-19 pandemic, but that

doesn’t mean support isn’t available.

WeConnect Recovery Meetings:

https://www.weconnectrecovery.com/free-online-supportmeetings#times

Even if in-person meetings

can’t happen, there is an amazing

virtual network at WeConnect

Recovery meetings to help

those in recovery from a substance

use disorder. Use the link

above to get more information

about participating in a free,

virtual support group. You are

not alone!

Partnership for Drug Free Kids:

now offering live online gatherings

for parents and caregivers

who may have children experimenting

with, or dependent on,

substances on Mondays, Tuesdays

and Wednesdays from 8-9

p.m. and Saturdays, 11 a.m. -12

p.m. Sign up at https://bit.ly/

osc-sign-up-fb

Other Local Resources:

• SAFE Coalition, www.safecoalitionma.org,

Franklin,

508-488-8105

• Turning Point Recovery

Center, Walpole (508) 668-

3960

• Wayside Youth and Family

Support, www.waysideyouth.org,

Milford, 508-478-

6888

• Riverside Community Care,

www.riversidecc.org, Milford,

800-294-4665

National Resources:

• Techtogether.co:This resource

highlights support

programs online nationwide

Glenn Brown

some large banks have stopped

taking applications, repeating

2008 actions. If you’re employed

and have at least 30% equity in

your house, shop local banks

and credit unions. Furthermore,

understand the variable terms

(Prime minus X%), early termination

fees, initial costs and duration

(i.e. 10 - 15 years).

MassSave - If you have a

major home repair, always

fully vet the rebates, incentives

and 0% interest loans available

through MassSave. When available,

this is a better option than

reducing emergency funds.

Lastly, Don’t Wait To Seek

Preventive Care - Our family’s

primary care provider sent an

email recently containing: “If

you have a chronic medical condition

like diabetes, heart disease,

hypertension, depression,

asthma or COPD, your concerns

about COVID-19 may have kept

you from seeking care in recent

months. We want to assure you

that we have created safe and accessible

ways to care for you…”

Yes, don’t put off your health

or your planning over fear, that is

not the “new normal”.

For your finances, hundreds

of Certified Financial Planners

can work with clients 100% electronically

to enter an engagement,

learn about your situation,

deliver a plan and help with execution.

The opinions voiced in this

material are for general information

only and are not intended to

provide specific advice or recommendations

for any individual.

Glenn Brown is a Holliston resident

and owner of PlanDynamic, LLC,

www.PlanDynamic.com. Glenn is a

Certified Financial Planner, Chartered

Retirement Planning Counselor

and fee-only fiduciary helping clients

take control of planning and investing,

so they can balance kids, aging parents

and financial independence.

Want financial independence?

Are you building with:

■ Fee-only Certified Financial Planner

■ Strategies for budget, cash flow & debt

■ Low-cost investments ■ Growing income streams

■ Maximizing work, government & health benefits

■ Tax planning ■ Insurance analysis ■ Estate planning

■ College savings for kids ■ Care for elderly parents

We help you take control of planning and investing,

so you can balance kids, aging parents

and financial independence.

Prompt, Courteous Service

to the Metrowest Area for over 40 years!

LANDSCAPE MATERIALS

Great Products, Service & Prices! WE DELIVER

Four varieties of mulch: Hemlock, Pine, Blend & Black, Screened Loam,

Playground Mulch, Wood Chips, Specialty Stone, Gravel, Sand and more

508-435-5376 MCINTYRELOAM.COM

Monday thru Friday 7:30am-4:30pm | Saturday 7:30am-12:00pm | 117 Wood Street, Hopkinton

Glenn Brown,

CFP®, CRPC

508-834-7733

www.PlanDynamic.com

PlanDynamic, LLC is a registered investment advisor. Please visit our website for important disclosures.

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