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Sam Rosenblatt Mortgage Planner I NMLS# 75844 (410) 375-4447 Sam@TheRosenblattGroup.com www.TheRosenblattGroup.com

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Elliot Pepper- Northbrook Financial

Tell us about yourself ?

I was born in Boynton Beach Florida and raised in Atlanta Georgia. I first came to Baltimore to attend high school at Ner Israel. I then spent time in Israel, and Silver Spring, MD, before returning to Pikesville in 2012 with my beautiful and talented wife Shira, and our three beautiful children: Zehava, Danny, and Akiva.

What do you love most about the Baltimore Jewish Community?

We really enjoy the strong sense of unity within the Baltimore Jewish community. It is very refreshing to live in such a diverse and welcoming community and we feel extremely fortunate for the opportunity to raise our children here. Our family has been direct beneficiaries of the overwhelming kindness and compassion from our many community chesed organizations and it is simply amazing to see how our community truly looks out for everyone.

What local organizations are you involved with?

I currently serve on the Finance Committee of our Shul, Suburban Orthodox Toras Chaim. It is extremely rewarding to be able to apply some of my professional skills to help support the growth of our Shul. My wife is actively involved with the Jewish Professional Women’s group of The Associated. I am also a member of the finance and audit committee for the University of Baltimore Foundation.

What do you do for a living?

I am the co-founder of Northbrook Financial, a Baltimore based financial, tax, and investment advisory firm. I have both my CPA and CFP® designations, as well as a master’s degree in taxation from the University of Baltimore. My practice is primarily focused on providing comprehensive personal financial and tax planning services to families at various stages in life. Together with my co-founder, we also actively manage investment accounts for clients. I also serve as a part time teacher and instructor at both the high school and college levels on topics ranging from accounting and auditing to financial literacy and investment theory.

What makes your business unique?

Northbrook Financial is built on the foundational belief that everyone should be able to receive objective, concise, and actionable advice to reach their financial goals. Traditionally, tax, financial planning, and investment management have been offered as separate services with people often hiring multiple service providers to meet their financial service needs. Founded by experienced CFP® and CPA professionals, our strong technical background, and years of experience across tax, planning, and investment management puts us in a unique position to help our clients accomplish their goals and simplify their financial lives. Further, we are a fee only firm that acts in a fiduciary capacity for our clients. This ensures that we always put the best interest of our clients first, and avoids the conflicts of interest that unfortunately continue to exist in the financial services industry. Learn more athttps://www.northbrookfinancial.com/

What else would you like to share with our 10,000+ readers?

Financial literacy has, unfortunately, not been a priority in our education system. I am hopeful for the future, as it seems schools are starting to incorporate financial literacy more and more into their curriculum. The best thing anyone can do to improve their financial life is tolearn, plan, and act. Here are some principles that we use when working with clients: 1. “Know your business”Be truly clear and honest with yourself about what you make, what you spend and make sure you always live within your means. 2. “Pay yourself first” Set-up automatic transfers and treat your savings and investment accounts as a part of your monthly expenses. Saving and investing should not be something that happens “only when I have extra money that month.” 3. “Invest early and invest often”: Let your money work for you through compound interest and consistent market participation. It is highly unlikely that you can time the market’s high and lows, and it is even more unlikely that you can do so on a regular basis, but the magic of compound interest can be a powerful tool in your wealth building toolbox and the earlier you start the more powerful that tool will work for you.