"I can help people and

see real changes in

their lives."

Jon%20M.%20Luskin

Jon M. Luskin

Jon M. Luskin35

Financial planner, Define Financial

Fast Facts

  • Obsessed with good barbecue.
  • Enjoys craft beer and has been home-brewing for almost a decade.
  • Advises young planners that their first job probably won't be perfect.

Jon M. Luskin started out working at a nonprofit because he wanted to make a difference in the world, but he found he could make a bigger difference as a financial adviser.

"I can help people and see real changes in their lives," Mr. Luskin said. Even small changes in a client's portfolio can be an improvement. A nudge into a low-cost target-date fund isn't an ideal solution — he doesn't favor them — but it's worlds better than a bunch of mediocre, high-cost funds.

"The difference between a perfect portfolio solution and a good one is that the good answer is likely to get done," he said.

"I love numbers," he added. "Doing the right thing also means doing the research to figure out the best option. And that's why we use low-cost funds. Because that is the best thing for the client."

Just four years into his career, Mr. Luskin is an active member of the San Diego chapter of the Financial Planning Association's NexGen group, and his research on investing has been published in the peer-reviewed Journal of Financial Planning. He also provides pro bono financial planning through the FPA, the San Diego Center for Financial Literacy and Junior Achievement, organizations offering complimentary financial counseling and workshops to youth, military and low- to moderate-income individuals.

– John Waggoner

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