Randy Aranowitz, CLU, TGPC, CLTC
Wayne, PA
Randy’s professional career spans more than 30 years in the financial services industry as a financial advisor, marketing manager, and since 1990, as the Executive Vice President of Kades-Margolis Corporation. He specializes in helping to plan for the investment, retirement and insurance needs of his clients and their families.
Since 1974 the Pennsylvania State Education Association (PSEA) has endorsed Kades-Margolis Corporation as the exclusive marketer of tax-sheltered retirement planning and investment products and services. Since 1990, Randy has worked with employees of public education, their spouses and families. He has helped clients understand the benefits of their pension (Public School Employees’ Retirement System, PSERS) and how their pension integrates with their other investments to create a plan for retirement.
He is professionally licensed in the sale of mutual funds, managed advisory accounts, stocks, bonds, variable and fixed annuities, life, health and long-term care insurance.
Randy has earned several professional designations including the American College’s Chartered Life Underwriter (CLU) designation, and the Tax Exempt and Governmental Plans Consultant (TGPC) designation bestowed by the American Society of Pension Professionals & Actuaries (ASPPA). He also holds the CLTC designation, Certified in Long-Term Care, awarded by the Institute for Long-Term Care Certification.
Randy has been a member of the National Tax-Deferred Savings Association (NTSAA) since 1990, and is a past president, vice president and board member of the organization. He has also served on the NTSA Leadership Council. NTSA is the nation’s only independent, non-profit association dedicated to the 403(b) and 457 markets. NTSA is a sister organization of the American Society of Pension Professionals & Actuaries (ASPPA) and both organizations come under the umbrella of the American Retirement Association (ARA) which works for America’s retirement.
Randy earned a Bachelor of Science Degree in Business Administration from the University of Maryland. He majored in Marketing with a concentration in Economics. In his leisure time, Randy enjoys traveling, playing racquetball, tennis and reading nonfiction books.
Contact Randy
Wealth Accumulation & Retirement Planning
One of the most gratifying parts of working with employees of public education and their families, is helping them establish a habit of regular savings, investing and tax planning strategies to accumulate wealth. Whether saving for a house, education, retirement or another specific goal, the first step to financial independence is wealth accumulation. I work with my clients to review and monitor their current investments, allocation and savings rate to help ensure they’re properly aligned with their short and long term goals.
Insurance Planning
Even before one accumulates wealth, establishing a proper risk management strategy becomes increasingly critical. What would the result of a catastrophic illness, injury, or even untimely death be on your investment and retirement planning? Having the proper insurances in place is essential to protect your future and your family. Setting up a plan of care in the event long term care is needed by you or your spouse is also critical to maintaining wealth. I help my clients in each of these areas of risk management.
Retirement Income Planning
There comes a time in every investor’s lifespan when they transition from a growth focus to an income mode. Is there a proper way to disburse one’s assets to recreate a paycheck in retirement? There are many answers to this question. Perhaps most importantly, proper income planning before and in retirement is critical to avoid running out of money prematurely and maintaining the desired income level throughout retirement despite inflation or the ups and downs of the stock market.
