Summer is here.... I can feel the warm breeze and smell the fragrance of the season. It seems to mean different things to each of us. However, there are common themes such as vacations, picnics, graduations, and weddings to name a few. They all have one part that is similar; we plan for them. A little bit of planning and the event goes well and fun is had by all. So again, as always, I invite you to talk with us to be sure we have your insurance coverage's right, as well as all of the discounts available to you. We would be happy as well to set up a time to meet to be confident your savings for your retirement are on track.  Or perhaps, how you will distribute your savings in your retirement so they may last. We have many ways to help you strategize. 

We thank you for your trust and continued business.
Wishing you a great summer. 
Warm Regards, Barb 

Securities offered through Nationwide Securities, LLC, member FINRA, SIPC, DBA Nationwide Advisory Services, LLC in AR,FL, IL,NY,TX, CA and WY. Representative of Nationwide Life Insurance Company, affiliated companies and other companies.
Timely Topics
You're ready. Your kids are ready. But is your
car ready?

  • Check that your coolant, oil and gas are filled and ready to go
  • Make sure your battery is in great working order
  • Don't pile heavy items and baggage too high so as not to block the rear window of the vehicle
  • Designate a place for kids to keep their items for easy access

Stress Free
Wedding Day Tips
Every Detail has been meticulously made and now the big day is here! Now let's make sure you enjoy every minute of the day!
  1. Get a good night sleep and grab breakfast to help fuel the day
  2. Allow plenty of time to get your hair styled, makeup applied and get dressed
  3. Bring a wedding day survival kit packed with flat shoes (you'll need these to help you dance the night away), extra makeup and tissues
  4. Get ready to have a great time!

Easy 3 Ingredient Delicious Banana Bread Recipe
-3 ripe bananas mashed up
-2 eggs
-1 box yellow cake mix
-nuts are optional
Mash the bananas; mix in your eggs; add nuts now if you like; then mix in the cake mix.
*Bake in 2 small loaf pans for about 40 mins at 350 degrees


Do You Qualify For A Good Drivers Discount?

ARE YOU A GOOD DRIVER- Get rewarded for it with Nationwide's SMART RIDE PROGRAM.. Earn an instant 10% discount when you sign up! The safer driver you are, the more savings you could see - up to 40%!
Distracted Driving
Distracted Driving. Each day in the United States, approximately 9 people are killed and more than 1,000 injured in crashes that are reported to involve a distracted driver. Save yourself and others, Discipline yourself! Don't text and drive.

Police say primary enforcement will be directed toward teen drivers. Officers can pull over any driver under the age of 18 suspected of texting and driving. Secondary enforcement applies to drivers over the age of 18. Adult drivers have to be stopped, first, for some other infraction. Ohio drivers under the age of 18 caught texting or using any electronic wireless communication device while driving will face a $150 fine and a 6-month license suspension for the first offense. The fine and suspension time will double after the second offense.
Adult drivers caught writing, sending or reading a text face a misdemeanor fine of up to $150.

Inheritance; now what?
Losing a loved one is always tough even if it is expected. Having a plan in place to handle an inheritance will help during the grieving process. Following the steps below will help you plan accordingly.
  1. Reduce your debt. If possible use your inheritance to pay off high interest rates or student loans.
  2. Establish an emergency fund. Saving six to 12 months' worth of living expenses will put you in a great position in the event of a large repair bill or medical expense.
  3. Plan for taxes. Depending on the type of inheritance you receive there are steps to take to help minimize your tax burden.
  4. Review your financial strategy. As a licensed Certified Financial Planner, Barb is uniquely qualified to help you make the best decisions to meet your needs.
Call Barb Luczkowski, CFP ®, for any of your financial planning questions!

Drive Away Happy!

Get $250 to $500 from the Bonusdrive program through Nationwide when you buy or lease a qualifying new vehicle!

Qualifying vehicles include:
Chrysler, Dodge, Fiat, Jeep, Ram, Hyundai

Call our office to learn about the simple three-step process!
Reviews help others find us!
Please let us know how we're doing and leave our agency a review. Visit our Website
Quick Links
Frequently Asked Questions:
If I want to change my health insurance coverage, what's considered a triggering event?

Our Services
Is early retirement an option for you? Request a complimentary Social Security brochure to be sure you choose your best option for retirement at age 62,66 or 70.

Did you know the Luczkowski & Associates Agency can cover your classic car? With a Nationwide and Hagerty Classic Car policy we can cover a wide range of vehicles, including:
  • Antique and classic cars
  • Hot rods
  • Vintage pickups
  • Vintage motorcycles
  • Antique tractors

Call us at 440-729-4042
Our Promise: 
To provide the best personalized client experience at a competitive price.
Our Primary Obligation:
As your Agency of Choice, our goal is to protect you and your family or business by seeing to it that you understand the difference between simply having insurance and being properly insured.
We will set ourselves apart from other insurance firms by taking care of you, reducing your exposure to risk while helping you attain your personal and/or business goals. "

Barb Luczkowski,   CFP ® 
Luczkowski Agency Insurance and Financial Services

8045 Mayfield Rd
Chesterland, OH 44026
O 440-729-4042
F 440-729-3999

FEM-6453AO (6/18)
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Luczkowski & Associates offers both Insurance & Financial Services. We commit to provide you with the best professional service with maximum coverage for every insurance dollar. We will set ourselves apart from other insurance agencies by taking care of you, reducing your exposure to risk while helping you attain your personal or business goals.

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