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Justin D. Rucci, CFP®

About Justin D. Rucci, CFP®

Lead Advisor

Justin joined Warren Street Wealth as a Wealth Advisor in April of 2018. He has a degree in Finance and Economics from the University of Albany in New York and is a CERTIFIED FINANCIAL PLANNER™.

Prior to joining Warren Street, Justin worked for five years as a financial planner at Goldman Sachs, advising a variety of clients in matters including cash flow & retirement, investments, employee benefits, health care, insurance, and tax and estate planning.

In his spare time, Justin enjoys taking weekend trips, trying his neighborhood’s latest restaurants, and relaxing with his family and friends. Justin is always looking for a new adventure and enjoys going on hikes with friends; he considers hiking Angel’s Landing in Zion National Park as one of the most exciting hikes he has ever accomplished. Health and wellness is important to him, as he tries to maintain an active schedule of frequent activity. Going for a walk outside is one of Justin’s favorite activities for both physical and mental health.

Entries by Justin D. Rucci, CFP®

Claiming Social Security: What’s a Break-Even?

December 9, 2025/in Education, Financial Planning, General/by Justin D. Rucci, CFP®

When should you start Social Security benefits—at 62 for smaller checks now, or 70 for larger checks later? This blog explains the crucial concept of the “break-even” age: the point where delaying your claim results in a greater total lifetime benefit. We illustrate the trade-offs between claiming at 62, 67, and 70, showing how your estimated life expectancy (with break-evens ranging from 78 to 82) is the key factor in this complex financial decision.

Financial Planning for Open Enrollment: A Guide to Making Smart Choices

October 2, 2025/in Education, Financial Planning, General/by Justin D. Rucci, CFP®

Ready to master open enrollment? This guide breaks down health plans, tax-advantaged accounts, and other key benefits to help you make smart, informed choices for your financial and physical well-being.

The “Big Beautiful Bill”: What It Means for Your Finances

July 10, 2025/in Education, Financial Planning, General, Intermediate, Investing/by Justin D. Rucci, CFP®

Feeling overwhelmed by the “Big Beautiful Bill”? Our blog simplifies the complex “One Big Beautiful Bill Act,” providing clear explanations and practical strategies to help you optimize your tax planning, secure your healthcare, and grow your wealth in this evolving financial environment.

I’ve Got a Lump Sum in Cash, Should I Invest It Right Away?

April 17, 2025/in Education, Financial Planning, Investing/by Justin D. Rucci, CFP®

Just received a lump sum? Whether it’s a bonus, inheritance, or business sale, deciding how to invest it can be tricky. Should you invest it all at once or spread it out? Check out our latest blog to explore your options and make the best decision for your goals!

Your 2024 Year-End Planning Guide

December 18, 2024/in Basic, Financial Planning, General, Taxes/by Justin D. Rucci, CFP®

As the year wraps up, it’s the perfect time to review your finances, maximize savings, and plan for a strong start to 2025. This guide covers everything from new retirement account rules and tax-smart charitable giving strategies to key deadlines and ways to put your savings to work. Don’t wait—take these actionable steps now to set yourself up for financial success in the new year.

Secure Act 2.0: Tax Planning Tips

January 25, 2023/in Education, General, Retirement/by Justin D. Rucci, CFP®

How does the Secure Act 2.0 affect tax planning? Read about the significant changes in Secure Act 2.0 towards Roth accounts, RMD requirements, and charitable giving.

Secure Act 2.0: Spending Today, Saving Tomorrow

January 18, 2023/in Education, General, Retirement/by Justin D. Rucci, CFP®

How does the new SECURE 2.0 Act affect current spending? Read what Justin D. Rucci, CFP® has to say in the blog.

Secure Act 2.0: Summary for Individuals and Employers

January 9, 2023/in Education, General, Retirement/by Justin D. Rucci, CFP®

What’s in the SECURE 2.0 Act and how does it affect your retirement planning? Learn more about it in our blog!

Tax Loss Harvesting: How to Make the Most Out of Market Volatility

September 22, 2022/in Education, General, Investing/by Justin D. Rucci, CFP®

Are you looking to learn more about tax loss harvesting and how it may benefit you during turbulent market conditions? Check out our latest blog where we break down what tax loss harvesting is, the advantages it can offer you, and next steps you can take.

5 Options for Last Minute 2021 Tax Moves

February 24, 2022/in Basic, Financial Planning, General, Taxes/by Justin D. Rucci, CFP®

The 2021 calendar year might be over, but that doesn’t necessarily mean that you’re out of luck if you want to make any last-minute tax moves before you file your 2021 return.

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Recent Posts

  • Meet Our Onboarding Coordinator: Isaiah Knox, MBAApril 28, 2026 - 7:02 am

    Meet Isaiah Knox, MBA, Warren Street’s Onboarding Coordinator! In this Q&A, learn how Isaiah ensures a seamless, supportive, and high-quality onboarding experience for new clients. Read about his client-first commitment and the role he plays within the team dedicated to your financial well-being at our firm.

  • On the War in Iran: Do Markets Not Care, and What’s Next?April 24, 2026 - 4:48 pm

    With 80 oil tankers stranded and a 9-million-barrel daily shortfall, why are markets hovering near all-time highs? In our April 2026 update, we dive into the “boxed-in” realities facing both the U.S. and Iran, the seven-step framework for “maximum pressure” negotiations, and why we’re choosing disciplined rebalancing over reactive shifts. Discover why the market is looking past the immediate conflict in what’s now a world of accelerated deglobalization.

  • Money Scripts—Part 2: How to Manage the ScriptMarch 20, 2026 - 9:26 am

    You’ve identified your money script—now what? In Part 2 of our series, we share expert strategies for “flipping the script.” From setting boundaries on status-driven spending to overcoming the paralysis of money avoidance, learn how to build a healthier, more balanced relationship with your finances. It’s time to stop reading from an old script and start writing a new one.

  • Money Scripts—Part 1: The Stories We Tell Ourselves in Order to Live, Save and SpendMarch 13, 2026 - 10:02 am

    Why do we save, spend, or avoid money the way we do? According to financial psychologist Dr. Brad Klontz, we are all following “money scripts”—subconscious beliefs passed down through generations. Learn to recognize the echoes of your childhood in your current financial habits so you can move away from behaviors that no longer serve you and toward a strategy built on purpose.

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