Randal DeFillippis - Financial Advisor at LPL Financial

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Randal DeFillippis - Financial Advisor at LPL Financial Hey đź‘‹, I'm Randal. I graduated with a bachelors degree in Finance from Rowan University in 2013 and have been working as a Financial Advisor ever since.

I build long term relationships with my clients that allows me to help Pharma-Employees throughout their careers including when they change jobs, start their own consulting business, or retire. Pharmaceutical Companies provide a high level of quality products to their customers. I am here to help provide a high level of quality financial advice to Pharmaceutical Employees. I live in Morrisville PA with my wife Audrey and dog Scotty. In my spare time I volunteer at Angels on a Leash providing dog therapy to those in need, and I'm also working on visiting all 63 US National Parks (up to 26 so far). My all time favorite TV shows are Friends and the Office. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC (finra.org sipc.org). Pharma Financial Advisor and LPL Financial are separate entities. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.​

Pharma friends looking for work! Here’s a list of job listings I’ve come across this week from my 5,000+ industry connec...
10/16/2026

Pharma friends looking for work! Here’s a list of job listings I’ve come across this week from my 5,000+ industry connections on LinkedIn.

If any of these pique your interest, shoot me a message, and I’ll connect you with the right person.

Additional jobs I couldn’t fit in the picture:

• Iovance Biotherapeutics – Associate Director Medical Affairs (Tampa FL)
• ProPharma – Complaint Investigations (Raleigh NC)
• Johnson & Johnson – Senior Manager, Global Diagnostics (Spring House PA)
• Pfizer – Integrated Evidence Generation Therapeutic Area Lead (Collegeville PA)

10/14/2026

Your 2026 tax return is mostly decided before you ever file it.

By the time you sit down with your CPA next spring, most of the important decisions have already been made.

Your RSUs vested.

Your bonus was paid.

You realized gains or losses.

You made charitable gifts.

Taxes were withheld from your paychecks.

At that point, your tax return is largely documenting what already happened.

That’s why October, November, and December matter so much.

For pharma professionals, this is the time to ask:

**RSUs:**
How much additional income will vest before year-end? Was enough withheld for taxes?

**Bonus:**
Did your bonus push your household income higher than expected? Was the supplemental withholding enough?

**Investments:**
Have you realized large capital gains this year? Are there losses elsewhere that could potentially offset them?

**Charitable giving:**
Were you already planning to give? Would donating appreciated investments make more sense than writing a check?

**Withholding:**
Based on everything that has happened this year, are you on track or heading toward an April surprise?

None of these questions are particularly useful in March.

By then, December 31st has passed.

That’s the difference between tax preparation and tax planning.

Tax preparation tells you what happened.

Tax planning gives you a chance to do something about it.

There’s still time left in 2026.

Use it.

10/12/2026

October is the perfect time for a financial fire drill.

For pharma professionals, I’d check these 5 things before year-end:

1. Are your taxes actually on track?

Pull your most recent paystub.

Look at your YTD income and federal withholding.

Then add in bonuses, RSUs, investment income, and anything else you expect before December 31st.

The question isn’t:

“Have I paid a lot in taxes?”

It’s:

“Have I paid enough?”

Those are very different questions.

2. How much company stock do you own now?

Not what you owned in January.

After months of vesting and stock movement, your concentration may look completely different.

October is a good time to recalculate it.

3. What RSUs are still vesting this year?

Know the dates.

Know the approximate value.

And decide what you’re doing with the shares before they arrive.

4. Are you on pace with your retirement contributions?

Don’t wait until the last paycheck of December to discover you’re behind where you wanted to be.

Check now while you still have multiple pay periods to adjust.

5. What year-end decisions are coming?

Open enrollment.
Charitable giving.
Capital gains and losses.
HSA contributions.
Other year-end planning opportunities.

Put them on the calendar now.

October is an underrated month for financial planning.

You have 9 months of real data to work with...

And roughly 3 months left to actually do something about it.

Much better than discovering the problem when your tax return is already being prepared.

10/08/2026

The difference between $150K and $500K isn’t just more money.

It’s a completely different level of complexity.

At $150K, things are usually straightforward:

• Salary is the main driver
• Benefits are simple
• Taxes are relatively predictable
• Fewer decisions to make

At $500K+, it starts to look very different:

• Income comes from multiple sources
(salary, bonus, RSUs, ESPP)
• Taxes get layered
• Different types of income, different treatment, different timing
• Cash flow becomes uneven
(Big inflows at certain times of year)

Decisions multiply
When to sell stock, how much to defer, what to reinvest, what to hold
Small inefficiencies get expensive… fast

This is where a lot of people get stuck.

Because the habits that got you to $150K don’t scale cleanly to $500K.

Budgeting harder isn’t the answer.
Working more isn’t the answer.

Structure is.

A system for:

• How income flows through your accounts
• How taxes are planned ahead of time
• How equity compensation is handled consistently

Without that, it starts to feel like you’re always playing catch up.

Even though you’re earning more than ever.

That’s the disconnect most people don’t expect.

More income… but less clarity.

Until there’s a plan behind it.

10/06/2026

“My RSUs are basically free money.”

I hear this all the time.

And I get it… it feels that way.

But here’s what I don’t know:
If you’ve ever actually looked at what happens after those shares vest.

Here’s what I do know:
RSUs are taxed as income the moment they vest (not when you sell them)

The withholding is often too low
Meaning… surprise tax bill later

If you hold the shares, you’re doubling down on your employer
Your paycheck + your investments = same company

Stock drops don’t care that it was “free”
A 30% decline is still a 30% loss

Most people don’t have a clear plan for what to do at vest

So what actually happens?

You get excited when shares vest…

You see a nice bump in your account…

Then taxes hit
Then concentration risk builds
Then decisions get delayed

And what started as “free money” quietly turns into a missed opportunity.

The goal isn’t to avoid RSUs.

It’s to use them intentionally.

Turn them into:

Diversified investments
Tax-aware decisions
Progress toward your actual goals

Not just something that sits there because you’re not sure what to do next.

10/05/2026

Why pharma income feels chaotic, even when you earn $300K+.

This one confuses a lot of people.

“How can I make this much and still feel behind?”

The answer is not spending.
It’s timing.

Pharma income does not arrive smoothly.

It shows up in bursts:
• Bonus checks
• RSU vests
• ESPP purchases
• Deferred comp payouts
• One time retention or milestone awards

Life, on the other hand, is boringly consistent.

Mortgage.
Childcare.
Tuition.
Insurance.
Monthly expenses that do not care about vest schedules.

When income is lumpy and planning is reactive, stress fills the gaps.

I see this pattern constantly:
• Big vest feels like relief
• A few months later things feel tight again
• Another event arrives and resets the cycle
• High income, low sense of control

Nothing is wrong with your earnings.
The system is just mismatched.

What tends to help most is not more money.
It’s rhythm.

A few simple shifts make a big difference:
• Automate saving the day after pay hits
• Treat vest proceeds like cash, not a surprise
• Pre decide where bonus money goes before it arrives
• Cap employer stock so one date does not dominate your year

When cash flow aligns with the calendar, the stress drops fast.

Same income.
Same job.
Very different feeling.

Pharma friends looking for work! Here’s a list of job listings I’ve come across this week from my 5,000+ industry connec...
10/02/2026

Pharma friends looking for work! Here’s a list of job listings I’ve come across this week from my 5,000+ industry connections on LinkedIn.

If any of these pique your interest, shoot me a message, and I’ll connect you with the right person.

09/30/2026

If you wouldn’t buy your company’s stock today, why are you still holding it after vest?

Common pattern in pharma:
RSUs/PSUs vest
Taxes get withheld

Shares sit…because “it feels disloyal” or “it’s been a winner” But pause: if new cash hit your account today, would you deploy it into the same single stock at this price and risk level?

If the honest answer is no, your portfolio is telling you something. Your paycheck, bonus, and future equity already depend on one company. That’s career risk + portfolio risk stacked on the same square. Reducing concentration isn’t disloyal—it’s disciplined.

Consider a default: sell-to-diversify at vest, then re-buy only if it still passes your “I’d buy it today” test as part of a balanced plan.

09/28/2026

Unpopular opinion: Maxing out your pre-tax 401(k) isn’t always the smartest move in Pharma.

Before the pitchforks come out, hear me out.

The advice to “always max the pre-tax 401(k)” is everywhere.
And for a lot of people, it’s solid advice.

But Pharma is not a typical income situation.

Here’s why this gets tricky.

Many pharma professionals have:
• High base pay
• Large bonuses
• RSUs and ESPP income
• Deferred comp or stock payouts later
• Long careers with rising compensation

Which often leads to this quiet outcome:

You save aggressively.
You defer taxes for decades.
And you wake up at 60 with most of your wealth sitting in accounts that will be fully taxable when you touch them.

That’s not tax efficiency.
That’s tax concentration.

I regularly see people who did everything “right” and still end up with:
• Required distributions pushing them into higher brackets
• Social Security taxed more than expected
• Medicare surcharges they never planned for
• Fewer levers to pull in retirement than they assumed

Pre-tax savings are not bad.
They’re powerful.

But in Pharma, the smarter question is not:
“How much can I defer this year?”

It’s: “What tax bucket do I want flexibility from later?”

Sometimes that means:
• Mixing pre-tax with Roth
• Using taxable accounts intentionally
• Timing income while you are still working
• Thinking in decades, not just April 15

The goal is not the biggest deduction today.
The goal is control later.

Pharma friends looking for work! Here’s a list of job listings I’ve come across this week from my 5,000+ industry connec...
09/25/2026

Pharma friends looking for work! Here’s a list of job listings I’ve come across this week from my 5,000+ industry connections on LinkedIn.

If any of these pique your interest, shoot me a message, and I’ll connect you with the right person.

Additional jobs I couldn’t fit in the picture:

• Bristol Myers Squibb – Senior Therapeutic Area Specialist (Lawrence NJ)
• Genmab – Oncology Account Manager (Minneapolis MN)

Address

222 Harper Avenue
Morrisville, PA
19067

Telephone

+12152954641

Website

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