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ABOUT US - Commonwealth Advanced Planning Team

ABOUT US - Commonwealth Advanced Planning Team

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Our partnership with Commonwealth Financial Network®, leading Registered Investment Adviser–broker/dealer, gives us access to a team of advanced planning specialists who can help us provide you the best possible service.

 

 

Justin Duft, JD, CFP®, CLU®, ChFC®, CLTC

Director, Advanced Planning

  • Responsible for the strategic direction of the department, as well as providing a resource for advisors on issues involving trust, estate, tax, charitable, social security, business, insurance, and education planning

  • Holds the CERTIFIED FINANCIAL PLANNER™ professional certification and the Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), and Certified in Long-Term Care (CLTC) designations, as well as Massachusetts life, accident, and health insurance licenses

  • Holds the FINRA Series 6, 7, 24, and 63 securities registrations

  • Earned a BS in business administration from Northeastern University; an MSFS from the American College of Financial Services; and a JD, with a focus on estate, trust, and tax law, from New England Law Boston

  • Has prior experience in positions at Renaissance Insurance Group, John Hancock, and Ernst & Young

Heather Zack, JD, LLM, MSFP, CAP®

Manager, Advanced Planning

  • Leads a team of consultants that serve as a resource for advisors on issues involving estate, charitable, tax, social security, and education planning

  • Holds the Certified Advisor in Philanthropy® (CAP®) certification as well as the FINRA Series 7, 9, 10, and 63 securities registrations

  • Earned a bachelor’s degree from Endicott College, a JD from the University of San Diego, an LLM (Master of Laws) in taxation with a focus on estate planning from Boston University, and an MS in financial planning from Bentley University

  • Has prior experience in positions at Bank of America Investment Services/Merrill Lynch and Investors Capital, as well as extensive operations experience at Commonwealth

Martin Baker, CFP®

Supervisor, Paraplanning & Advanced Planning Consultant

  • Serves as a resource on issues involving estate, trust, charitable, education, business, and social security planning strategies

  • Oversees a team providing financial planning support through assisting with plan creation, analysis, and recommendations for advisors' clients.

  • Holds the CERTIFIED FINANCIAL PLANNER™ professional certification and the FINRA Series 7 and 66 securities registrations

  • Earned a bachelor’s degree in finance from Bentley University

  • Previously held several positions at Fidelity and UBS

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