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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!
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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.