Randy Aranowitz, CLU, TGPC, CLTC
Wayne, PA
Randy’s professional career spans more than 30 years in the financial services industry as a financial professional and serving as Executive Vice President of Kades-Margolis Corporation from 1990-2019. Randy has and continues to develop and service his client base by specializing in helping to plan for the investment, retirement, and insurance needs of his clients and their families.
Since 1974, Kades-Margolis has been the Pennsylvania State Education Association (PSEA) ‘s chosen retirement and investment planning partner. Since 1990, Randy has worked with public education employees, their spouses, and their families. He has helped clients understand their pension benefits (Public School Employees’ Retirement System, PSERS) and how their pension integrates with their other investments to create a retirement plan.
He is professionally licensed in the sale of mutual funds, managed advisory accounts, stocks, bonds, variable and fixed annuities, and 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 in Business Administration from the University of Maryland. He majored in Marketing with a concentration in Economics. Randy enjoys traveling, playing racquetball and tennis, and reading nonfiction books in his leisure time.
Wealth Accumulation & Retirement Planning
One of the most gratifying parts of working with public education employees 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, wealth accumulation is the first step to financial independence. 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
Establishing a proper risk management strategy becomes increasingly critical even before accumulating wealth. What would the result of a catastrophic illness, injury, or even untimely death be on your investment and retirement planning? Having the proper insurance in place is essential to protecting your future and your family. Setting up a plan of care in the event you or your spouse need long-term care 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.
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