ADINKRA CAPITAL GROUP
10451 Mill Run Circle, 4th Floor,
Owings Mills, Maryland, USA
Our Mission and Core Values
Mission: "Empowering individuals and families to achieve financial independence and peace of mind through personalized, expert guidance and compassionate support."
Core Values:
Integrity: We uphold the highest standards of honesty and transparency in all our interactions.
Client-Centricity: Our client's needs and goals are at the forefront of everything we do.
Excellence: We strive for excellence in our services, continually improving and adapting to provide the best financial advice and solutions.
Empathy: We approach each client with understanding and compassion, recognizing the unique challenges and aspirations they face.
Education: We are committed to empowering our clients through financial literacy, providing the knowledge and tools needed for informed decision-making.
Trust: Building and maintaining trust with our clients is paramount, as we provide reliable and dependable financial guidance.
Tradition: We honor time-tested financial principles and practices, integrating them with modern strategies to deliver robust financial solutions.
Transformation: We focus on transforming our clients' financial lives, helping them move from uncertainty to confidence and from instability to security.
Our Services
Financial Education Workshops
Financial education isn't an option. It's a necessity.
No one should care more about your financial future than you. Understanding your financial situation and strategy is a priority, especially when faced with the challenges and uncertainty of
today's financial climate.
We help you develop a strategy that fits your situation with the right financial professional. With over 300 financial centers across the United States and Canada, our Team draws decades of
financial industry experience to help you.
A survey conducted by NFEC shows lack of financial literacy costed Americans a total of more than $388 billion in 2023.
Don’t be a part of these statistics, break free and empower yourself by signing up for a (Complimentary Financial Education)
session that equips you to be your own money manager.
OUR WORKSHOPS COVER
Increase Cash Flow
Debt Management
Building a Strong Financial Foundation
Proper Protection
Building Wealth
Asset Accumulation
Retirement Strategies
Wealth Preservation
How much does it cost to attend our workshops?
Nothing.
Yes. We believe so much in educating, understanding, and empowering families, that we are CURRENTLY offering our Financial Workshops completely complimentary.
No catch. We’re positive that you and your family will benefit from our workshops and financial professionals.
Your friends and co-workers will too. It’s just part of our mission and commitment to helping families save their future.
Estate Planning (Wills, Living Trust)
Secure Your Legacy with Estate Planning
Estate Planning is planning what you want to happen when you pass away. It is about making sure that your children and anyone you leave behind have the best possible future. It is also for
protecting your assets from creditors and law suits. It's not just about money; it's also about securing their well-being, ensuring that they have a good education and are equipped to thrive in
an uncertain world.
It usually includes 3 basic documents: a Will, a Power of Attorney, and an Advanced Healthcare Directive. It can also include a Trust and other Integral Documents.
Estate planning is a gift to your loved ones and a safeguard for your legacy. Imagine a future where your assets are protected, your wishes are honored, and your family is shielded from
unnecessary stress and conflict.
We have assembled a powerhouse team of top SME Partners in the industry to help you protect and transfer your wealth.
Don't leave your future to chance. Plan today for peace of mind tomorrow. Your legacy deserves to be preserved with the care and foresight only a well-crafted estate plan can provide. Secure your future, protect your loved ones, and make your mark with confidence.
Insurances
Life, Health, long-term care, Disability, Accidental, Auto, Pet, Home, Business, etc.
Put simply, life insurance could be the most important purchase one can ever make. From Term to Index Universal life — and almost everything in between — our solutions are designed to fit most circumstances because life happens. Life Insurance can be used when alive and passed on when you are no more.
No one can predict the future, but we can certainly prepare for it.
Foreign nationals who regularly visit, do business, or own property in the United States may be unaware of the potential estate tax exposure they may face. life insurance solutions can help
address this very issue.
Today’s families are concerned about the bigger picture: healthcare costs, retirement readiness, and protecting their family’s quality of life. That’s why we’re committed to helping provide holistic solutions designed to help people achieve a lifetime of financial security.
Our Health Insurance Plans On average, save our clients anywhere from $8,000 for an individual
per year.
College Planning
We can work with you to Secure your child’s future. You no longer have to shrink the size of your child’s dreams due to lack of funding. We can provide the opportunity for your kids to go to college debt-free.
Long-Term Care
To live our best life, we need to plan for all aspects of it. Unfortunately, one of the things we often ignore is the potential need for long-term or extended care services — not just as we age,
but throughout our lifetime. However, there is good news. There are now more options to help you with the costs of these services that can help lessen the reliance on your loved ones who often step in to provide this care.
Long-term care (LTC) is an essential aspect of planning for the future, ensuring that individuals receive the necessary support and services as they age or face chronic health conditions is extremely crucial.
Planning for long-term care is a proactive step toward securing a stable and comfortable future. Don't wait until it's too late—take control of your long-term care planning today to ensure a brighter tomorrow.
Retirement Planning
A perfect retirement involves financial security, including stable income and debt-free living, paired with good health and access to healthcare. It also includes personal fulfillment through hobbies, travel, and lifelong learning, along with maintaining strong social connections and a comfortable, safe living environment. This balance allows for personal freedom and the flexibility to enjoy a fulfilling and enjoyable life chapter.
Planning for retirement involves more than just saving money; it requires a comprehensive strategy to ensure financial stability and a comfortable lifestyle, one with income for life.
At Adinkra Capital Group our goal is to help our clients with key retirement strategies that can enable them:
1. Retire Early
2. Compound their retirement nest egg.
3. Know how to manage their money to enable them never to run out of money.
4. Enjoy a tax-free retirement.
5. Prepare for the challenges that come with being retired.
6. Put a plan in place that aligns with their unique needs and goals.
7. Minimize Debt.
8. Plan for Healthcare Costs.
9. Create a Withdrawal Strategy.
10. Social Security Optimization.
11. Maintain an Emergency Fund.
12. Stay Informed and Keep up with changes in retirement laws and tax regulations.
Start planning today to ensure a comfortable and fulfilling retirement. You do not have to change your lifestyle or worry about running out of money.
Medicare
Medicare can be confusing when you do not have the right direction. At Adinkra Capital Group Our Medicare expert advisors will help you save time and avoid mishaps. We guide you
through this transition at no cost to you.
Medicare is often seen as a safety net for retirees, but there are some surprising and critical aspects that many people may not be aware of:
It Doesn't Cover Everything: Many assume Medicare will cover all healthcare costs in retirement, but it doesn’t. Key services like dental, vision, and hearing care are not included in Original Medicare. You may need to purchase additional coverage or pay out-of-pocket for these services.
High Out-of-Pocket Costs: Even with Medicare, beneficiaries can face significant out-of-pocket expenses. Costs such as premiums, deductibles, copayments, and coinsurance can add up, especially for those with chronic conditions or frequent medical needs.
No Cap on Out-of-Pocket Spending: Unlike many private insurance plans, Original Medicare does not have an annual out-of-pocket spending limit. This means there is no maximum amount that you could potentially spend on healthcare each year.
Long-Term Care Isn't Covered: One of the biggest misconceptions is that Medicare covers long-term care, but it does not. Services like nursing home care, assisted living, and in-home care for extended periods are generally not covered, which can be a substantial financial burden.
Part D Coverage Gaps: Medicare Part D, which covers prescription drugs, has a coverage gap known as the "donut hole"; While recent changes have reduced the impact, beneficiaries can still face higher out-of-pocket costs for medications once they hit this gap.
Late Enrollment Penalties: Failing to enroll in Medicare on time can result in permanent late enrollment penalties. For example, not signing up for Part B (medical insurance) when you’re first eligible can lead to a 10% increase in your premium for each 12-month period you could have had Part B but didn’t sign up.
Medicare Advantage Limitations: Medicare Advantage plans often have networks of doctors and hospitals. If you go outside the network, your costs can be significantly higher, and some services may not be covered at all.
Complex and Confusing Choices: Navigating Medicare’s various parts (A, B, C, D) and the multitude of plans and coverage options can be overwhelming. Making the wrong choice can be costly and affect the quality of care you receive.
Debt Management and Credit Repair
Our Debt management services offer a range of benefits that can help individuals regain control of their finances and work towards a debt-free future. We help you.
1. Lower Interest Rates:
2. Consolidated Payments:
3. Reduced Monthly Payments:
4. Improved Credit Score.
5. Stress Relief.
6. Professional Guidance.
7. Avoid Bankruptcy:
8. Educational Resources:
9. Long-Term Financial Health.
10. Protection from Creditor Harassment:
Student Loan Forgiveness
Student loan forgiveness programs can provide significant relief to borrowers struggling with student debt. Our Loan Professionals make the process simple and straightforward.
Business Solutions
We protect your company from unforeseen risks, Legal Implications, assets protection, liability coverage, business continuity, employee protection, peace of mind, and ensure
your business’s long-term success. We provide:
a. Tailored financial strategies for entrepreneurs, ensuring sustainable growth, asset protection, and a smooth succession, positioning your business for long-term success.
b. Financial Workshop for employer and employees
c. Executive Benefits
d. Business-owned life insurance
e. Business Succession
f. Key Employee Insurance
g. Health Insurance Benefits- On average, savings can range anywhere from $4,000 per employee per year off your existing healthcare!
h. Retirement Plan
i. Professional Development
j. Tax Savings Strategies- We have helped our clients reduce their tax bills by 20-30%. Our Team will work with your CPA to properly implement your tax strategy. Financial Advisors, Forensic CPAs, and tax specialists that do tax planning in the current year. They have advanced software that goes through the 70k+ pages of the IRS tax code to find every tax code that would apply to your business on a municipal, state, and federal level.
R&D Tax Credit
The Research and Development (R&D) Tax Credit is a government incentive designed to encourage companies to invest in innovation, research, and development. Businesses that develop new or improved products, processes, or technologies can qualify for this credit, which reduces their tax liability. The goal is to
promote technological advancement and economic growth by making it financially viable for companies to engage in R&D activities. As of 2015, the R&D tax credit can be used by companies of all sizes and industries.
Our partners Tributan, have helped clients claim over 200 MILLION DOLLARS in direct R&D tax credits.
The Benefits of the R&D Tax Credit
A hidden and immediate source of cash for many small and mid-size companies
Increased the market value, earnings power, and cash flow of their company
Lowered the company’s effective tax rate
Creates a significant reduction to current and future years federal and state tax liabilities
Permanent tax savings and financial statement benefit
Self-Insured Medical Expense Reimbursement Program (SIMERP)
The Self-Insured Medical Expense Reimbursement Program (SIMERP) is a Participatory Preventative Care Management Program that is IRS, HIPAA, and ERISA compliant, available at no net cost.
Some Features of the Self-Insured Medical Expense Reimbursement Program (SIMERP):
EMPLOYER FEATURES
Reduce payroll taxes by up to $630/year per employee
Mitigate “Monday Morning” Workers’ Comp claims (70% of Workers’ Comp claims
happen on Monday mornings)
EMPLOYEE FEATURES
Reduce payroll taxes by up to $630/year per employee
Mitigate “Monday Morning” Workers’ Comp claims (70% of Workers’ Comp claims
happen on Monday mornings)
HR FEATURES
Works with 3rd party payroll services ¢ Program’s technology infrastructure allows
maximum efficiency with minimal effort by HR, Payroll & Team
No Net Cost to Employer
WHY SIMERP?
This program, sponsored by the employer, allows employees to enhance their benefit package
with a wellness plan while also lowering healthcare costs and
expenditures for both them and their employer, without any net cost to either party
BY THE NUMBERS!
An 18-employee logistics company in MD with 100% eligible employees enrolled would realize
the following savings:
Payroll Tax (FICA) Savings $11,520
1st Year Savings $11, 520
10 Year Savings $115, 200
FAQS
What services do you offer?
We offer a range of financial services including financial planning, investment advice, retirement planning, debt management, tax planning, estate planning, INDIVIDUAL - Estate Planning(Wills , Living Trust) - Financial Education -Insurances - College Planning - Long-Term Care - Retirement Strategies - Medicare - Debt Management - Student Loan Forgiveness
Business - Insurance - Employee Benefits - Tax Savings Strategies - R&D Tax credit - Self-Insured Medical Expense Reimbursement Program (SIMERP) The Self-Insured Medical Expense Reimbursement Program (SIMERP) is a Participatory Preventative Care Management Program that is IRS, HIPAA, and ERISA compliant, available at no net cost.
How do I get started with your services?
Getting started is easy! Simply contact us via phone, email, or our online form to schedule a consultation with one of our financial Professionals. During the consultation, we'll discuss your financial goals and tailor a plan to meet your needs.
What can I expect during my first consultation?
During your first consultation, we'll take the time to understand your financial situation, goals, and concerns. We'll provide an overview of our services, answer any questions you have, and begin creating a personalized financial plan.
Are your services suitable for individuals with modest incomes?
Absolutely! Our services are designed to benefit individuals at all income levels. Whether you're just starting out or have significant assets, we can help you achieve your financial goals.
How do you ensure the security and privacy of my financial information?
We prioritize the security and confidentiality of your financial information. Our systems are protected by advanced security measures, and we adhere to strict privacy policies to safeguard your data.
Can you help me with retirement planning?
Yes, we offer comprehensive retirement planning services to help you plan for a secure and comfortable retirement. Our advisors will work with you to develop a strategy that aligns with your retirement goals and timeline.
Do you offer tax planning services?
Yes, our tax planning services are designed to help you minimize your tax liabilities and maximize your savings. We provide expert advice on tax-efficient investments and strategies to optimize your tax situation.
How do you stay current with financial regulations and market trends?
Our team of financial advisors continually monitors financial regulations and market trends to provide you with the most up-to-date advice and strategies. We participate in ongoing professional development and leverage the latest financial research and technology.
Can you assist with debt management and reduction?
Yes, we offer debt management services to help you develop a plan to reduce and manage your debts effectively. Our advisors will work with you to create a strategy that fits your financial situation and goals.
What makes your company different from other financial services providers?
At Adinkra Financial Group, we pride ourselves on our personalized approach, deep commitment to client success, and unwavering integrity. Our focus on education, empathy, and transformation sets us apart, ensuring that you receive comprehensive and compassionate financial guidance. We make your money work for you at little or no cost.
How often will I meet with my financial advisor?
The frequency of meetings with your financial advisor depends on your individual needs and preferences. We recommend regular check-ins, at least annually, to review and adjust your financial plan as needed.
Do you offer online tools and resources for financial planning?
Yes, we provide a variety of online tools and resources to help you manage your finances, track your investments, and stay informed about financial matters. Our client portal offers easy access to your financial information and planning resources.
Can you help me with investment management?
Yes, our investment management services include personalized advice and strategies to help you build and manage a diversified investment portfolio tailored to your risk tolerance and financial goals.
What should I bring to my initial consultation?
For your initial consultation, please bring any relevant financial documents, such as bank statements, investment account statements, tax returns, and information about your income, expenses, and debts. This will help us gain a comprehensive understanding of your financial situation.
Sarah Johnson
★ ★ ★ ★ ★
I was completely lost when it came to understanding personal finance until I discovered Financial Skills Academy. As a newly divorced mom of two kids, I suddenly had a lot more to manage on my own from housing to healthcare to planning for college one day. The on-demand video courses broke complex money topics down in simple ways I could understand.
