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

Justin C. Duft, JD, CFP®, CLU®, ChFC®, CLTC, is director, advanced planning, at Commonwealth Financial Network®, member FINRA/SIPC, the nation's largest privately held Registered Investment Adviser–independent broker/dealer. 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.

Recent Posts

6 Retirement Questions Financial Advisors Should Prepare For (And Every Client Should Ask)

Changing Your Client's Irrevocable Trust: What Are the Options?

An Estate Planning Checklist for Advisors

The College Planning Value-Add: Mastering Financial Aid Eligibility

Pushing 100: Tips for Addressing Longevity Risk with Clients

6 Retirement Questions Financial Advisors Should Prepare For (And Every Client Should Ask)

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

July 9, 2019 at 10:00 AM

When it comes to planning for the future, clients will (understandably) have questions and concerns. As their advisor, you are in a position to guide them through the retirement planning process, helping them to make the best decisions for their specific needs and retirement goals.

But what will your clients want to know? How can you ensure that you are giving them the most relevant and valuable information? These six critical retirement questions are ones every financial advisor should prepare for (and every client should ask).

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Topics: Retirement Income Planning

Changing Your Client's Irrevocable Trust: What Are the Options?

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

April 3, 2019 at 1:30 PM

Irrevocable trusts can help accomplish many financial goals, such as creating a legacy for future generations or providing financial support for a disabled family member. Whatever the purpose, grantors enjoy tremendous flexibility when designing an irrevocable trust. But once that trust is in place, the ability to adjust its direction is often limited by rigid rules. As a result, over time, a trust may fall out of alignment with the intentions of the grantor and/or the interests of the beneficiaries.

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Topics: Estate Planning

An Estate Planning Checklist for Advisors

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

April 2, 2019 at 10:00 AM

A plan to distribute wealth, just like a plan to accumulate it, must be tailored around your client's unique situation, goals, and needs. As the trusted advisor, you're well positioned to oversee all elements of your client's plan to help ensure the distribution of assets according to his or her wishes—and at the lowest possible cost. That involves a sometimes overwhelming amount of information and documents to keep track of, so what follows is an estate planning checklist to guide your conversations with clients and to help ensure that you've covered all the details in their plans.

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Topics: Financial Planning, Estate Planning

The College Planning Value-Add: Mastering Financial Aid Eligibility

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

January 29, 2019 at 10:00 AM

If you work with clients who are parents—whether their kids are young or entering high school—you will inevitably find yourself having conversations about funding college education. Many families are dependent on financial aid programs to make higher education attainable. So, how can you help? By becoming a resource for your clients during the first step they will need to take to determine their financial aid eligibility: the free application for federal student aid (FAFSA).

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Topics: Education Planning

Pushing 100: Tips for Addressing Longevity Risk with Clients

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

December 4, 2018 at 10:00 AM

Even today, living to age 100 is considered an impressive accomplishment. But it isn’t as rare as it used to be, thanks to the efforts of those in the medical research field. In fact, according to an article published on DailyMail.com last year, Dutch scientists believe that life expectancy will increase to an astonishing 125 years by 2070! While this may be welcome news to many, it has created new pressures for the financial planning community to help clients prepare for retirement income needs that go past the long-accepted mark of age 90.

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Topics: Retirement Income Planning, Estate Planning

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