Daniel Fitzpatrick

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Daniel Fitzpatrick Dan Fitzpatrick is an experienced and knowledgeable financial professional, ready to work with you to ensure you and your family’s financial future.

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New York who hold one or more of the following designations and title respectively, please see Important Information & Disclosures in the link below: CASL, RICP, CRPC, RETIREMENT PLANNING SPECIALIST title. Important Information & Disclosures: http://bit.ly/2f98X9d

"One more year..."Read any retirement forum and you'll find people who said it 5x. The numbers worked.Then the market di...
10/15/2026

"One more year..."

Read any retirement forum and you'll find people who said it 5x.
The numbers worked.
Then the market dipped.
So "One more year..."

I get it. Retiring into a crash is a very real risk. The first few years are the ones that matter most.

But "one more year" isn't an optimal strategy for that risk. It's just a postponement of the decision.

The actual fix is boring: Plan ahead for that sequence risk, speak with a professional planner, stress test your plan against worst case scenarios and see what it would take to not have to punt out your retirement another year.

If the only thing keeping you at your desk is fear of a crash, that's a solvable problem. If it's something else, that's worth discussing too.

The most expensive part of a layoff usually isn't the months without a paycheck.It's the job you take because you ran ou...
10/13/2026

The most expensive part of a layoff usually isn't the months without a paycheck.

It's the job you take because you ran out of months...

In a 2026 survey of laid-off workers, 34% burned through most if not all of their savings before landing again with a new job. And only 13% came back earning more than they were at their previous job.

Those two numbers are connected, because when the account hits zero, the first offer starts looking very enticing regardless of the pay.

So the most important number after a lay off isn't necessarily your severance. It's your runway, aka how many months you can negotiate from a place of power.

If you don't know yours, that's the FIRST thing to figure out.



Link to survey: https://resumegenius.com/blog/career-advice/human-impact-layoffs-report

The Retirement problem I tend to run into more often than not isn't people running out of money...It's people who won't ...
10/13/2026

The Retirement problem I tend to run into more often than not isn't people running out of money...

It's people who won't spend it.

They saved diligently for 35+ years. They did what they were taught. They hit the number. And now they're eating dinner at home because "the market might drop." Ramen noodle budget and guarding their nest egg like it's the W***y Wonka golden ticket.

If that sounds like you, you're not alone. A 2026 Study from Allianz found 39% of retirees said they hold back on spending to protect their savings, and about a third said it simply felt wrong to start drawing down.

Here's the thing... That feeling doesn't just go away with more money. It goes away with a number.

A specific number you can spend this year, without having to worry. Along with a short list of what would have to happen before you'd change it.

If you've got the savings, but still haven't given yourself "permission", that's the conversation I'd want to have.

Source: https://401kspecialistmag.com/most-americans-fear-spending-their-retirement-savings/

Your pension start date and your Social Security claiming age are two separate decisions. They shouldn't be made separat...
10/02/2026

Your pension start date and your Social Security claiming age are two separate decisions. They shouldn't be made separately...

The order and timing affect your taxes, your spouse's benefits, and how much income you have in your 60s compared with your 80s.

The Pension & Social Security Roadmap is a written plan custom to you covering:

• Pension commencement options
• Social Security claiming ages for you and your spouse
• Spousal and survivor benefit considerations
• Tax implications of each sequence

Delivered after one in-depth meeting.
Projections are hypothetical.

If you're within five years of either decision, send me a message.

Why I don't lead with "free portfolio reviews."Most people see that offer for what it is: the first step in a sales proc...
10/01/2026

Why I don't lead with "free portfolio reviews."

Most people see that offer for what it is: the first step in a sales process. And it's vague. You don't know what you'll walk away with.

So every engagement I offer has:

• A name
• A written deliverable you keep
• A delivery timeline
• A clear way out if it isn't a fit

If you're a few years from retirement, you shouldn't have to guess what a conversation with an advisor will produce. You should know before you agree to it.

Protecting the Nest Egg: What Raising Backyard Chickens can teach about Retirement PlanningEight months.That is how long...
09/09/2026

Protecting the Nest Egg: What Raising Backyard Chickens can teach about Retirement Planning

Eight months.
That is how long it took from the day I started digging the base for our backyard coop & run to the morning we finally found our very first egg.

When you start from scratch, you quickly learn that timing and patience are everything:

-Phase 1: Secure the Infrastructure: Building a solid, predator-proof enclosure before bringing anything home. Having a "safety net" in place to protect from catastrophic loss.

-Phase 2: Nurture & Develop: Providing daily care, clean environment, and consistent eyes on while growth happens.

-Phase 3: The Critical Window: The girls have their full feathers and are ready to transition to outside, but they aren't ready to produce yet. Minor mistakes in feed or environment during this stretch can delay and even risk everything.

-Phase 4: The Continuous Harvest: The long-awaited reward... A steady relatively predictable flow of fresh eggs which we know exactly what went into each and every one of them.

Fast forward a year later: There were some losses, a lot of lessons, but the original goal and path stayed true. We have a flourishing flock and a daily supply of fresh, colorful, nutrient-dense, DELICIOUS eggs.

As you approach the final stretch toward retirement, the dynamic shifts. You are no longer just building a nest egg from scratch... you are entering the critical window right before distribution begins.

For pre-retirees within 5-10 years of pulling the trigger, the focus transitions from growth at all costs to structural integrity and protection of what you worked so hard to build.

Just like that final waiting period before our first egg:

-The Margin for Error Shrinks: A market downturn or unforeseen structural flaw right before you retire impacts your timeline far more than one early in your career.

-Preparation Dictates the Yield: How well your plan is structured before you need the income determines how smoothly the transition goes.

-Delayed Gratification Retains Value: Resisting the urge to rush the process ensures that when you do start withdrawing, your retirement nest egg is durable enough to support you for decades.

Crossing the retirement finish line isn't about luck, it’s about intentional preparation, protecting what you’ve spent decades building, and making sure the transition to income is seamless.

For those getting close to retirement: What is the most critical detail you’re working to finalize before feeling ready to make the leap?

One of the most consequential financial decisions a person will ever make gets less thought than picking a new phone pla...
08/24/2026

One of the most consequential financial decisions a person will ever make gets less thought than picking a new phone plan.

If your company offers a pension, at some point you'll likely face a choice: take the lump sum, or take the monthly annuity payment for life.

Once you elect one, you can't switch back.
There's no revisiting it in five years if your situation changes.

The math behind that decision is more nuanced than most people expect. It usually comes down to a "break-even age"... the age at which the monthly payments would need to add up to match what the lump sum could have grown into if invested.

Depending on how that number compares to your own life expectancy and health outlook, the "obvious" choice isn't always the right one.

We see this decision made under real time pressure, often within a matter of days, by people who've spent decades earning that benefit but only a few hours evaluating how to take it.

We work with corporate professionals navigating pension elections, retirement pacing, and career transitions. If you're facing this decision, or know it's coming, I'm happy to be a second set of eyes before you sign anything.

Something I keep seeing with executives going through a layoff or acquisition: The biggest financial decisions such as p...
08/06/2026

Something I keep seeing with executives going through a layoff or acquisition:

The biggest financial decisions such as pension elections, 401k rollovers, RSU timing... all get made in the first few weeks, under pressure, usually without anyone double checking the numbers.

These decisions are one-time and irreversible. There's no oops and "redo" on a pension election.

We work with Director & VP-level professionals at both large and small companies navigating exactly this.

If you're in the middle of a transition, or think one might be coming, I'm happy to be a sounding board.

Happy Independence Day! This Fourth of July, I'm proud to support the goals and ambitions that help make our independenc...
07/04/2026

Happy Independence Day! This Fourth of July, I'm proud to support the goals and ambitions that help make our independence possible — through guidance that’s personalized, thoughtful and built around what matters most.

6.1.26: Pacing the Deferral Line on the Legacy Flight Deck ✈️Lately, it seems like managing a flight deck paystub requir...
06/02/2026

6.1.26: Pacing the Deferral Line on the Legacy Flight Deck ✈️

Lately, it seems like managing a flight deck paystub requires a degree in forensic accounting...

For senior captains across legacy systems, navigating mid-year retirement cash flow has become incredibly technical. With airline non-elective contributions (NEC) sitting at historic peaks of 16% to 18%, senior flight crews are running into a unique calculation puzzle [3]. Because these substantial employer contributions accumulate rapidly alongside peak flying hours, pilots often encounter a massive "compression" issue where company-funded inputs risk filling up the IRS 415(c) total limit before their personal tax-deferred goals are fully reached [3].

Compounding the timing issue, new plan features allowing pilots to elect employer-funded contributions directly into after-tax Roth buckets are introducing an unexpected tax variable [3]. Many senior captains are realizing too late that plan administrators do not automatically withhold ordinary income taxes on these massive employer-funded Roth deposits, creating an accidental underpayment liability if it isn’t proactively managed on a paystub-by-paystub basis [3].

On top of payroll friction, broader structural changes are forcing senior crew members to look closer at their core options [1]. For instance, the ongoing institutional investor investigation into the United PRAP Large Cap Growth Fund (Sands Capital component) highlights the critical importance of evaluating core allocation performance and understanding when it makes sense to utilize self-directed brokerage windows like Fidelity BrokerageLink [1].

Between shifting regulatory frameworks, high-earner Roth mandates, and specific carrier thresholds, a cookie-cutter approach to financial planning just doesn't work for the modern airline pilot [2, 3]. It takes active, continuous tracking to make sure your cash-flow sequencing stays completely optimized.

When was the last time you reviewed your allocations?

• [1] Plan Fund Performance & Investigation Data: Institutional shareholder alert regarding potential ERISA fiduciary breaches in the United Airlines Pilot Retirement Account Plan (PRAP) Large Cap Growth Equity Fund managed by Sands Capital (Active Case Group Analysis, Q2 2026).
• [2] Fiduciary & Structural Precedents: Spence v. American Airlines, Inc. et al., No. 4:23-cv-00552 (U.S. District Court, Northern District of Texas). Permanent injunction guidelines mandating strict asset manager compliance tracking and financial-only criteria.
• [3] 2026 Statutory Framework: IRS Section 415(c) total limits ($72,000), Section 402(g) pre-tax limits ($24,500), and Section 401(a)(17) annual compensable maximums ($360,000). High-earner Roth mandate enforcement rules under SECURE 2.0 Section 603 (Effective 2026 Tax Year).

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1967 NJ-34 #201
Woodbridge, NJ
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