Personal Investment & Financial Planning Q`s/Expert Profile

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Louis Schwarz, QFP, CFP, RFC. ChFEBC


Over 40 years experience - discretionary investment management, advisory service, stocks, bonds, mutual funds, annuities, IRA, Roth, 403(b), 401k, tax planning, tax preparation, retirement planning, tax reduction, life insurances. I hold five professional designations: QFP, CFP, RFC, ChFEBC, and Paladin Registered Advisor with a professional rating of five stars.

Experience in the area

First deaf Certified Financial Planner licensee (, General Securities Registered Representative (Series 7)(http://www/, Registered Financial Consultant (, Registered Investment Advisor, Qualified Financial Planner (, Admitted to Paladin Registry of Personal Financial Advisors (; Chartered Federal Employee Benefits Consultant (; Licensed Life, Health, & Disability Agent


Financial Planning Association, International Association of Registered Financial Consultants, National Association of Deaf, Alexander G. Bell Association of the Deaf, National Deaf Business Institute, Gallaudet University Alumni Association

Publications, Deaf Digest, Deaf Nation, Newswaves, Silent News, New Horizons


Gallaudet University, College for Financial Planning

Awards and Honors

Who's Who in Finance and Industry, Who's Who in the World, 1998 NAD Flying Fingers Award, MDAD Distinguished Award, MCAD Business of Year, Montgomery (MD) County Business Award, 2007 Outstanding Business Person of the Year, Gallaudet University Department of Business, 2010 Honorable Order Knights of the Flying Fingers, 2011 Tri-County Association of Deaf Shelby C. Kubis Memorial Award

What do you like about this subject?

I enjoy the innovative nature of financial planning, and the fact that it is always challenging in everyday life. I enjoy assisting people maximize the growth of their hard-earned savings and investment, minimize their taxes, and enjoy their financial independence for many years to come.

What do you still hope to achieve/learn in this field?

Education is a powerful tool!

Something interesting about this subject that others may not know:

Specializing in fee-based discretionary investment managed (DIM) accounts.

Something controversial or provocative about this subject

The key to the financial independence is the LIFETIME planning!

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Bonnie03/10/09101010Thank you for your help, this gives .....
Pablo03/09/09101010Thank you very much Mr. Schwarz! I .....

Recent Answers from Louis Schwarz, QFP, CFP, RFC. ChFEBC

2009-03-19 401k Hardship withdrawal question followup:

Dear jim,    The answer may be no because you may not qualify to take a penalty-free withdrawal if you do  not meet one of the following exceptions:     You become totally disabled.     You are in debt

2009-03-14 Supplemental security Income SSI:

Dear Sallie    For SSI purposes, a "resource" is cash or other liquid assets and any other real or personal property that an individual owns and could convert to cash to obtain support and maintenance

2009-03-13 Roth IRA Early Withdrawl:

HI, Sam    If I understand you correctly, please put the info on Line 15a and zero on line 15b so it is not taxable.  There may not be a 10% penalty because you may not make any gain.  It is very important

2009-03-08 IRA Roth:

Hi, Lucy    You should receive the form 1099R from T Rowe PRice where it will tell you how to fill out in your income tax return. If it happened in the year 2009, that means you have to wait till next

2009-03-06 Nonprofit - donations - paying for medical bills?:

Dear Bonnie    Sorry about your nephew.    Please find out the organization specializing in that disease - there they may help you with this.    Basically any donation to an individual is not deductible


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