BJH: Tell us about yourself and your journey to Baltimore.
SR: My name is Shlomo Rosenstein, originally from Pittsburgh, Pennsylvania. I moved to Baltimore in 2017, when my wife, Sarah Leah (Wax), a Baltimore native, began her master’s degree in social work at the University of Maryland. Baltimore is a wonderful place to raise our family, and I enjoy being part of this vibrant community.
BJH: Where did you attend Yeshiva and complete your education?
SR: My educational journey took me through several Yeshivas and Kollelim across the U.S. and Israel, including Tiferet Jerusalem (TJ), Mir Yeshiva, and Yeshiva Gedola of Greater Washington. Each Yeshiva imparted unique values and skills that shaped my character and work ethic. I pursued my MBA in Finance at Johns Hopkins Carey Business School. This diverse background, coupled with growing up in a smaller community, has helped me relate to people from all walks of life and navigate challenges with an open mind and resourcefulness.
BJH: Where do you currently work, and what services do you offer?
SR: After an internship at T. Rowe Price, I joined NIV Advisors (formerly Premier Financial) as a Financial Advisor. At NIV, we provide personalized financial guidance in a private, supportive setting. Our approach is built on four core pillars:
- Protection: Our insurance products, including life, disability, long term care, and health insurance provides a safety net that covers unexpected expenses and income loss.
- Retirement: We help clients plan for a secure retirement by setting up long-term savings strategies, such as 401(k)s and IRAs, helping them achieve financial freedom in later years.
- Savings and Investments: We guide clients in building wealth through smart savings and investments to reach both short- and long-term goals.
- Legacy and Estate Planning: We assist with strategies to pass on assets efficiently, often through wills, trusts, and charitable giving.
NIV Advisors’ mission is to empower clients to reach their financial and insurance goals with a clear, customized roadmap.
BJH: Could you elaborate on your involvement with the MHBE Consumer Decision Support Workgroup and the Maryland BAT Phone Program?
SR: This past year, I joined the MHBE Consumer Decision Support Workgroup, part of the Maryland Health Benefit Exchange. Our group focused on improving the tools that help consumers make informed health insurance decisions. Through our discussions with insurance providers and executives, we’ve developed strategies to make it easier for families to navigate their healthcare options effectively, especially during times like Open Enrollment.
In addition, I’m involved with the Maryland BAT Phone Program (Benefits Assistance Team). This initiative offers a direct support line for health insurance brokers and navigators, helping to resolve complex issues and clarify policies. It’s an incredible resource that bridges the gap between the Maryland Health Benefit Exchange and on-the-ground support, ensuring that consumers get the guidance they need
BJH: What initially interested you in a career in finance and insurance?
SR: I was drawn to finance and insurance because it’s a field where I can make a tangible difference in people’s lives. Navigating financial security and insurance can be intimidating, and I wanted to be a resource that helps others feel confident, informed and empowered.
BJH: What makes NIV Advisors unique?
SR: What sets NIV Advisors apart is our emphasis on a personalized approach. We offer our clients a supportive environment to discuss their needs, values, and long-term goals, with no pressure or sales tactics. Our team tailors every plan to the individual’s unique circumstances.
BJH: What is one recent professional achievement you are proud of?
SR: Being recognized as a top broker in Maryland on the individual health insurance marketplace was a significant honor. This acknowledgment reflects the commitment and dedication I strive to bring to my clients every day.
BJH: What’s the best advice you’ve received, and how has it impacted your career?
SR: The best advice I’ve received is to “approach every situation with empathy.” In finance and insurance, we work with people’s dreams, goals, and concerns. Leading with empathy has allowed me to build strong, trusting relationships and better understand my clients’ needs.
BJH: Why is it important to lock in insurance rates early, even on a tight budget?
SR: Locking in rates for life, disability, and long-term care insurance early is essential. As you age, rates rise significantly, and even health conditions like elevated weight, blood pressure, cholesterol, or diabetes can increase costs drastically. Starting early, even with a tight budget, ensures you secure fixed and lower rates and allow for long-term savings. We partner with many companies to create plans tailored to your specific financial goals. Taking action, even in your 20s or 30s can make a huge difference in the big picture!
BJH: Do you have any hobbies? Are you involved in any chesed or charitable initiatives?
SR: Outside of work, I enjoy spending time with my family. I’m a big fan of the outdoors, playing sports, and cheering for my hometown team, the Pittsburgh Steelers. I go to shiurim and learn with my chavrusas. Giving back is important to me, and I’m involved in a number of charitable organizations. It’s rewarding to see the positive effect these initiatives have on our community.
To learn more about NIV Advisors, please contact Shlomo Rosenstein at shlomo@nivadvisors.com or call direct: 410-844-1141, office: 240-309-6001 #7. Our website is almost done with its rebranding, stay tuned!
