ABOUT US

Commonwealth Research Team

Our partnership with Commonwealth Financial Network®, a 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.

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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, CAP®

Team Lead, Advanced Planning

  • Serves 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, and an LLM (Master of Laws) in taxation with a focus on estate planning from Boston University; is currently pursuing 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®

Advanced Planning Consultant

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

  • 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

 

Mike Baum, CFP®

Advanced Planning Consultant

  • Serves as a resource for our advisors on issues involving financial planning software and charitable, tax, education, and social security planning

  • Holds the CERTIFIED FINANCIAL PLANNER™ professional certification and the FINRA Series 7, 24, and 66 securities registrations

  • Earned a bachelor’s degree in business administration from the University of Connecticut School of Business  

  • Previously held several leadership roles on Commonwealth’s data integrity team, most recently as supervisor of the group

 

Maureen Baxter, MBA, CLU®, ChFC®

Advanced Planning Consultant

  • Serves as a resource for advisors in all areas of financial planning, including executive benefits, as well as high-level insurance planning and social security, estate, and business planning

  • Holds the Chartered Life Underwriter® (CLU®) and Chartered Financial Consultant® (ChFC®) designations

  • Earned an MBA from Plymouth State University

  • Has prior experience as an assistant vice president of advanced sales and sales development at Lincoln Financial Group; has also worked at Western and Southern Financial Group, Lafayette Life Insurance Company, and Jefferson Pilot Insurance Company

 

Keven DuComb, JD, MBA

Advanced Planning Consultant

  • Serves as a resource on issues involving estate, charitable, tax and education planning

  • Earned a BBA, an MBA, and a JD from the University of Michigan

  • Has prior experience as an estate planning attorney and personal trust advisor

 

David Haughton, JD

Advanced Planning Consultant

  • Serves as a resource for advisors on financial planning issues, including trust, estate, business, education, social security, and charitable planning

  • Earned a bachelor’s degree from the University of Massachusetts and a JD from the Massachusetts School of Law

  • Is admitted to the Commonwealth of Massachusetts bar and the State of New Hampshire bar 

  • Was a practicing estate planning attorney

 

Anna Hays, JD, LLM

Advanced Planning Consultant

  • Serves as a resource for advisors on financial planning issues, including business, education, estate, social security, and trust planning

  • Earned a bachelor’s degree and a JD from Duquesne University and an LLM (Master of Laws) in international human rights from the National University of Ireland

  • Is currently pursuing the CERTIFIED FINANCIAL PLANNER™ professional certification

  • Has prior experience working for the U.S. District Court for the Western District of Pennsylvania

 

Krista Teegarden, CLU®, ChFC®

Advanced Planning Consultant

  • Serves as a resource for advisors on issues involving estate, trust, charitable, education, business, deferred compensation and social security planning strategies.

  • Holds the Chartered Financial Consultant (ChFC®) and Chartered Life Underwriter (CLU®) designations, as well as the FINRA Series 7 securities registration and California life, accident, and health insurance licenses

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

  • Has prior experience conducting research and analysis and implementing advanced estate and business strategies with independent advisors