Raleigh, June 21, 2024 — James Ustby, a Fixed Annuity Specialist at LPL Financial, is on a mission to bridge the knowledge gap in financial planning and help individuals achieve their retirement goals. Having joined LPL Financial in 2024, James brings a fresh perspective and a dedication to spreading financial literacy and education.

James’s journey into financial planning began with a realization: many people are unprepared for retirement due to a lack of financial education. “Most people don’t like thinking about their finances and aren’t taught about them in school,” James explained. “They follow what is available at their work but don’t get specifically tailored advice to their goals.”

Before joining LPL Financial, James worked at Ameriprise Financial and gained experience in digital marketing. His diverse background has equipped him with unique skills to connect with clients and understand their needs. Noting that a significant portion of financial advisors are nearing retirement themselves, James saw an opportunity for younger professionals to step in and make a difference.

In his current role, James focuses on managing 401(k)s and IRAs for his clients. “We do what’s called a rollover, where we move your retirement account from your employer’s firm to LPL Financial. This gives clients more control over their investments while retaining their benefits,” James said. He also emphasizes the importance of protecting one’s nest egg, particularly in the current economic climate with higher interest rates. “I’ve been helping people secure their retirement with Fixed Annuities and Fixed Indexed Annuities,” he added.

James holds an Accredited Portfolio Management Advisor (APMA) designation and is actively pursuing the Certified Financial Planner (CFP) designation, which he hopes to achieve within the next two years. His commitment to professional growth underscores his dedication to providing the best possible advice and support to his clients.

Looking ahead, James has set an ambitious goal: to help 1,000 people confidently retire within the next five years. He believes that starting retirement planning early and seeking professional advice are key to financial success. “Don’t wait, don’t put it off,” James advises. “Meet with someone who can review your entire financial situation and give you holistic planning advice. Much like going to the doctor for health checkups, you should be seeing a financial professional for your financial checkups.”

James’s approach is client-centric, focusing on understanding and achieving individual goals without judgment. “Never be ashamed no matter what amount of money, debt, etc., you have,” he encourages. “We take it for what it is and move forward. We’re here to map out a solution to hit your goals.”

Through his work at LPL Financial, James Ustby is not just helping clients manage their retirement accounts—he’s empowering them with the knowledge and confidence to secure their financial future. Interested individuals can connect with James on LinkedIn at linkedin.com/in/jamesru or contact him via email at james.ustby@lpl.com.


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