
The U.S. Penny Is History
- Broadridge Content
The U.S. government is discontinuing the one-cent penny, primarily because it costs much more to mint it than it is worth.
Check the background of this Money Concepts financial professional on FINRA's BrokerCheck | Form CRS

Email Address
EmailFind Me On
I'm Jay Schmiedel, a dedicated financial professional based in Middlebury, CT. I've been in the financial industry since 1995 and with Money Concepts since 2004. I hold Series 6 and 63 licenses, in addition to being licensed in Life and Health insurance. My experience includes managing 403B plans for teachers, small business retirement plans, and offering personalized financial services to individual clients.
I live with my wife Terrie and our three children, enjoying a family-oriented lifestyle filled with sports and quality time with our golden retriever, Peanut. I operate from my home office and prefer to meet clients at their homes or businesses, ensuring a personalized and convenient service tailored to their needs.
Stay in the Know

- Broadridge Content
The U.S. government is discontinuing the one-cent penny, primarily because it costs much more to mint it than it is worth.
- The New York Times
As the new year begins, savings have hit unprecedented levels, but rising health care costs and growing poverty make retirement unaffordable for many. Here are seven stats that provide insights into some of the key trends shaping retirement in 2026.

- Broadridge Content
Medicare is federally sponsored health insurance for retired individuals, and certain younger people with disabilities or end-stage renal disease. Here are some basic facts about Medicare.

We believe that before investments and products ever come into play, we must establish a relationship. As such, we believe a financial professional should listen before acting, reduce your stress, and provide ongoing consultations and adjustments.
Achieving your goals allows you peace of mind to be actualized and your stress is minimized. You are free to live with less stress and more enjoyment.
Discover how I can help YOU
We use a “holistic approach” to wealth management. Our systems, procedures and techniques have been refined by years of experience making us an efficient and productive wealth management company.
Send us a message: