AJW Financial Partners LLC
President and CEO
Nicolas Abrams, Certified Financial Planner ™Professional, is founder and CEO of AJW Financial Partners, LLC. His wealth management and financial planning firm has offices in Columbia, Maryland and Washington, DC. With more than 15 years of experience in the financial services industry, Nicolas advises clients on investment, retirement, and insurance strategies.
Nicolas is a graduate of St. Mary’s College of Maryland where he earned his B.A. in Economics with a concentration in Business. He also earned a certificate in Financial Planning from the University of Baltimore in 2002.
He is a regular guest on Morgan State University’s WEAA (Baltimore 88.9 FM) Wealthy Radio with host Deborah Owens. He is the former host of Radio One's WOLB (Baltimore 1010 AM) The 1st Friday Radio Show, which focused on economic empowerment and wealth creation. Nicolas has been a guest on National Public Radio’s Market Place. Local and national conferences, including the Blacks In Government National Training Institute, have also featured Nicolas as a speaker on money and financial issues.
In 2015 Nicolas became the host of the television show Financial Empowerment with Nick Abrams, CFP®. The show can be seen on cable stations in multiple states.
Nicolas is a 2015 graduate of the Leadership Howard County Program. Recently, Nicolas served as Chairperson of the St. Mary’s College of Maryland Baltimore City Scholarship Initiative that raised over $500,000 to provide scholarships for students in Baltimore City looking to attend the College. He is a member of the Board of Directors of the St. Mary’s College of Maryland Foundation and the St. Agnes Hospital Foundation. When he is not working, Nicolas enjoys spending time with his beautiful wife Leah and their son’s Nicolas II and Aiden.
One of his favorite quotes is from Harriet Tubman: “Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world.”
BA, Economics, St. Mary’s College of Maryland
Assets Under Management:
Nicolas T. Abrams, CFP®, Investment Advisor Representative. Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member FINRA/SPIC. AIC and AJW Financial Partners, LLC are not affiliated. Additional products and services may be available through Nicolas T. Abrams, CFP® or AJW Financial Partners, LLC that are not offered through AIC.
If the policy has been issued and the premium was paid on the policy then the death benefit should pay out.
A mutual fund is an investment company that pools money from many people and invests it in stocks, bonds, or other securities. Each investor owns shares; each share represents a tiny portion of each individual security held by the fund. An investment professional handles the purchase and sale of individual securities in the fund, based either on an index or on his or her professional expertise. Investors may buy shares (or portions) directly from the fund or through brokers, banks, or financial planning or insurance professionals.
With the majority of mutual funds, when you buy shares, you pay the current net asset value (NAV) (the value of one share in a fund), plus any sales charge (known as a sales load). As with individual stocks, the share price of mutual funds fluctuates and the value of an investment may be more or less than its original cost.
There is a possibility that your premium could increase in order to keep the policy in force, if there is not enough cash value in the policy. There are some policies that have a guaranteed premium such as a guarantee UL or whole life policy. You should have your agent run a in-force illustration to check the performance of the policy.
Variable life insurance is a type of insurance policy that lets you direct who the funds in the cash value account of your policy is invested to. This is done by choosing a sub-account as an investment vehicle for the cash value These sub-accounts are not guaranteed and are subject to market risk. Please make sure you talk to your financial advisor before investing.