Jared R. Famularo - Financial Advisor - Northwestern Mutual

As a retired Law Enforcement Officer and Northwestern Mutual Financial Advisor, I’ve never needed to disparage other life insurance companies — and I never will.

Fellow officers deserve straightforward advice centered on your families, retirement security, and long-term goals — not negativity. We compete by delivering real strength: a policyowner-owned mutual company with exceptional financial ratings and comprehensive planning built for those who’ve served and understand sacrifice.

I’m confident in what we offer and prefer to earn trust through transparency, expertise, and proven results.

If you’re a law enforcement officer or other public servant exploring life insurance or your financial future, I’m happy to have a no-pressure conversation focused on what’s truly best for you and your family.

Let’s build something that lasts.

They aren't wrong! Do you need a lesson in finance?

Americans' financial literacy slumps to a 10-year low, new study finds A TIAA-Stanford University survey found that fewer people can correctly answer questions involving basic financial concepts. See how you fare.

💵 “Don’t Leave Anything on the Table.” What does that even mean?

I hear this phrase a lot when it comes to pension planning—but most of my clients didn’t even know what it actually means.

Small decisions made at the beginning of a career can permanently impact:
• Your monthly pension check
• Your lifetime income
• Your family’s financial security

And once you retire, many of those decisions are irreversible.

Eligibility doesn’t always equal optimization.

And “close enough” can quietly cost six figures over a retirement.

If you’re wearing the badge or in a similar pension plan today and assuming your pension will “work itself out,” this is worth paying attention to.

👀 This is one of those topics where what you don’t know matters most.

This conversation isn’t just for law enforcement—firefighters, teachers, government employees, EMS, military, airline pilots, and union professionals often face the same realities.

👉 If this resonates, consider booking a one‑on‑one conversation to see what “leaving nothing on the table” could mean for your specific situation.

📅 Meeting link = https://tinyurl.com/NM-Introduction

Send a message to learn more

Not investing early enough
Not prioritizing retirement savings
Taking on too much debt
Not having an emergency fund
Not planning for their children’s education early

Five financial mistakes Americans in their 30s and 40s are making, expert warns Experts say even small changes to everyday financial habits could boost long-term wealth. Here are five costly money mistakes Americans in their 30s and 40s should avoid.

🐖 Starting early to save and invest for your children is one of the most powerful gifts you can give — it builds financial security, opens future opportunities, and teaches lifelong money habits. 💵

📌 Compound growth: even small contributions made early can grow significantly over time.

📌 Flexibility for the future: funds can support education, a home down payment, or an entrepreneurial start.

📌 Financial education by example: involving kids in the process builds responsible money skills.

Ready to get started? Schedule your 30-minute intro call and let's start building your children's financial future together! https://tinyurl.com/NM-Introduction

How are you saving for retirement?

When deciding how much to save (whether it’s in a 401(k), 457, IRA, etc.), people often pick a round number — 10%, 15%, “just the match” — because it’s easy. The problem: those choices ignore your age, taxes, goals, debt, and employer plan details. The result can be under‑ or over‑saving and missed opportunities.

A quick reality check:
👍 Rules of thumb are a start, not a plan.
👨‍💼 A good advisor translates goals into a concrete savings rate and tax‑efficient priorities.
📊 Advisors also help with cash flow, sequence‑of‑returns risk, and behavioral coaching so you actually stick to the plan.

If you’re unsure whether your current savings rate is correct for you (or if you should shift between pre‑tax vs. Roth), we can create a financial plan together to give you clarity.

Want to learn more? Schedule a quick 30‑minute intro call: https://tinyurl.com/NM-Introduction

Three reasons people avoid talking to a financial advisor — and why those reasons are usually holding them back.

#1 “I don’t have enough money.”
Most people think advisors are only for the wealthy. I work with clients at every stage and use online financial planning sessions to prioritize what matters most now — taxes, debt, emergency savings, or retirement basics — so your next steps are clear and actionable.

#2 “I can do it myself.”
You can manage basic investing, but a second set of experienced eyes catches blind spots: sequence-of-returns risk, Social Security timing, tax-efficient withdrawals, and emotional decisions that cost far more than advice. A single session often uncovers opportunities people miss on their own.

#3 “Advisors are too expensive.”
That fear is real — but it shouldn’t stop you from learning your options. I’m not fee-based and I offer complimentary financial planning sessions with no obligation. You get clear, practical next steps and full transparency about how I’m compensated before you ever decide anything.

If any of this sounds familiar, let’s talk. It will cost you nothing but your time.

➡️ Workplace life and disability benefits are a great start—but they often aren’t enough. ⬅️

‼️ Employer life insurance commonly covers only 1–2x salary; many advisors recommend 10–15x.

😲 People typically overestimate life insurance cost (by 10–12x).

🤔 49% of households with only workplace life insurance would struggle financially within six months if a wage earner died.

💡 Gaps can appear during job changes or major life events. Supplemental life and disability coverage can keep protection continuous and help replace lost income.

➡️ Not sure what you need? Let's talk about it! 🔗 https://tinyurl.com/NM-Introduction ⬅️