Justin C. Duft, JD, CFP, MSFS, CLU, ChFC, CLTC

Justin C. Duft, JD, CFP®, MSFS®, CLU®, ChFC®, CLTC, is manager, advanced planning, at Commonwealth Financial Network®, member FINRA/SIPC, an independent broker/dealer–RIA. With the firm since 2007, Justin acts as a resource for advisors on issues involving executive benefits, business, tax, estate, and charitable planning, and his strong background in insurance adds a unique perspective to the planning process. Justin has a JD from New England Law│Boston, an MS in financial services from The American College of Financial Services, and a BS in business administration from Northeastern University. He also holds FINRA Series 6, 7, 24, and 63 securities registrations.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

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Recent Posts

Is AB Trust Planning Still Effective?

Helping Clients Transition a Business to the Next Generation

Divorce Planning: How You Can Help Clients Protect Their Finances

Is a Divorce Financial Planning Specialty for You? Answers to 5 Key Questions

Pensions and Social Security: The Impact of the WEP and GPO

Is AB Trust Planning Still Effective?

Posted by Justin C. Duft, JD, CFP, MSFS, CLU, ChFC, CLTC

April 19, 2017 at 1:30 PM

What does the recent increase in the federal estate tax exemption, plus the introduction of portability, mean for the traditional approach to estate planning using the AB trust? You may find that your clients are concerned that their estate planning strategy is no longer relevant. Or perhaps they just don’t want to spend the time and money to have an attorney review their documents when federal estate laws may remain in flux.

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Topics: Estate Planning

Helping Clients Transition a Business to the Next Generation

Posted by Justin C. Duft, JD, CFP, MSFS, CLU, ChFC, CLTC

April 18, 2017 at 10:00 AM

When your clients rely on you to guide their family wealth planning, there are many inheritance issues you must address. Here, we’ll focus on just one of the concerns you may encounter when putting wealth transfer strategies into action: helping clients transition a business to the next generation.

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Topics: Estate Planning

Divorce Planning: How You Can Help Clients Protect Their Finances

Posted by Justin C. Duft, JD, CFP, MSFS, CLU, ChFC, CLTC

April 5, 2017 at 1:30 PM

As a financial planner, you're not expected to handle all of the difficulties that arise when your client is going through a divorce. But what you can do? Protect his or her financial security for the future.

Whether you're hoping to specialize in divorce planning or just working with divorcing clients as the need arises, it's important to take a multifaceted approach. From establishing a spending plan to protecting jointly held assets, here are some key areas on which to focus.

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Topics: Financial Planning

Is a Divorce Financial Planning Specialty for You? Answers to 5 Key Questions

Posted by Justin C. Duft, JD, CFP, MSFS, CLU, ChFC, CLTC

April 4, 2017 at 10:00 AM

As part of Commonwealth's Advanced Planning team, I can tell you that divorce financial planning is becoming a hot topic among our advisors. Like them, you may be wondering if this could be a potential route for your business. To shed some light on this niche opportunity, read on for five common questions (and answers) that we get from advisors considering this specialty.

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Topics: Financial Planning

Pensions and Social Security: The Impact of the WEP and GPO

Posted by Justin C. Duft, JD, CFP, MSFS, CLU, ChFC, CLTC

January 25, 2017 at 1:30 PM

When it comes to planning for retirement income for those clients who have a history of working in both the public and private sectors, things can get tricky. Specifically, there are two legislative provisions—the windfall elimination provision (WEP) and the government pension offset (GPO)—designed to prevent these individuals from receiving their full pensions and social security benefits, which can drastically affect how much retirement income they receive.

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Topics: Retirement Income Planning

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