Jeff Judge, CFP®, AEP®, ChFC®, CLU®

Financial clarity without the stress.
Retirement, and life-in-transition planning Securities offered through LPL Financial, Member SIPC

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

Your company withholds 22 percent on your RSUs.

Your actual bracket is often closer to 32 or 37.

That gap is the surprise bill waiting for you in April.

Set the difference aside the week it vests, not the week taxes are due.

#RSU #EquityComp #TaxPlanning

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

Your advisor retiring is not an operational detail. It is a retirement planning problem.

Your distribution sequence, Medicare timing, and Roth strategy depend on one consistent relationship. When it fractures, so does the plan.

Ask who runs your plan the day your advisor steps back, and whether they already know your situation.

I wrote this for ThinkAdvisor: https://t.co/siE8IHopL0 - https://t.co/siE8IHopL0 -

Fit Call: https://t.co/L3l4YdZuDG - https://t.co/rGcaulWwGD -

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The surprise April tax bill usually isn't a surprise.

A big vesting year, no estimated payments, and 22% withholding will do it every time.

You can see it coming in October if you look.

#TaxPlanning #EquityComp #RSU

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The SEC wants to cut earnings reports from 4x to 2x a year. I was quoted in ThinkAdvisor on why that changes the quality of data investors can act on, not just the frequency. Six months is a long time to be flying blind on a position. https://t.co/XnvSrXBTJs - https://t.co/XnvSrXBTJs -

Book a Fit Call: https://t.co/L3l4YdZuDG - https://t.co/rGcaulWwGD -

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

Claiming Social Security at 62 can lock in a smaller benefit for the rest of your life.

Sometimes that's the right call. Often it isn't.

The mistake is deciding by default instead of by math.

#SocialSecurity #RetirementPlanning #IncomePlanning

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

Are advisors all-in on the DOL's plan for alts in 401(k)s?

Not even close.

I told Melanie Waddell at ThinkAdvisor: the real challenge isn't access to alternatives. Most Americans don't have a plan for what they already own.

https://t.co/kOTAUljxcD - https://t.co/kOTAUljxcD -

A Fit Call is the right first step if this is part of your planning picture.

https://t.co/L3l4YdZuDG - https://t.co/rGcaulWwGD -

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

@saqibly Thanks man! Appreciate it

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

@saqibly thanks for quoting me in your piece about the lottery! You had my company listed as Chesapeake Financial Partners, not Planners. Any chance you could update it? TIA

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

When your paycheck and your portfolio depend on the same company, that's not diversification.

That's one bet, twice.

A vesting schedule isn't a sell plan.

#ConcentrationRisk #EquityComp #Investing

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

IUL sales just hit a record. Appropriate and popular are not the same thing.

I told MarketWatch the question is not which policy. It is whether you need permanent insurance at all.

If you have not maxed your qualified accounts, an IUL is almost never the right first move.

The carrier can lower your cap. You can't.

https://t.co/jt2jgZIqDA - https://t.co/jt2jgZIqDA -

Weighing one? 30 min, no pitch: https://t.co/L3l4YdZuDG - https://t.co/rGcaulWwGD -

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The biggest retirement risk isn't a market crash. It's a healthcare crisis nobody planned for.

I told @MarketWatch this week: healthcare is the one that actually derails the most plans I've seen.

A private nursing home runs over $11K/month today. Most couples haven't stress-tested what happens when both of them need care.

A Fit Call is how we start building that scenario:

https://t.co/L3l4YdZuDG - https://t.co/rGcaulWwGD -

https://t.co/cse1NHlw8k - https://t.co/cse1NHlw8k -

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

[Jeff Judge, CFP®, AEP®, ChFC®, CLU® @JeffJudgeCFP]

Two retirees, same $3M, very different tax bills.

The difference is usually the order they withdraw, not the investments they pick.

Sequence is a strategy. Most people never set one.

#RetirementIncome #TaxPlanning #Withdrawals