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

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

Protecting Senior Clients from Elder Financial Abuse

When to Claim Social Security: Changing the Conversation

Divorce Planning: How You Can Help Clients Protect Their Finances

Posted by Justin C. Duft, JD, CFP, 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, 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, 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

Protecting Senior Clients from Elder Financial Abuse

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

August 10, 2016 at 1:30 PM

Working with elderly clients can present a unique set of challenges. For one, seniors are a major target for elder financial abuse and fraudulent schemes. For another, they have a different mind-set than that of younger generations. They are more fearful of risk, but also tend to be more trusting and, therefore, more susceptible to abuse.

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Topics: Estate Planning

When to Claim Social Security: Changing the Conversation

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

August 3, 2016 at 1:30 PM

When the Bipartisan Budget Act of 2015 was first signed into law, you might remember a mad scramble to determine how the legislation would affect the guidance you provided to your clients. To make it worse, the rule changes affected individuals differently, depending on how old they were at certain points in time. But now that some of those rules have been eliminated by since-passed deadlines, do you have a clear picture of the best way to advise clients? Have the new rules changed the recommendations you make about when to claim social security?

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Topics: Retirement Income Planning

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