We believe that comprehensive financial planning must look at the whole picture and integrate objective advice on company sponsored benefits. This holistic approach to financial planning strives to add clarity for both current employees and retirees around the country.
Building for the future requires a comprehensive plan built on knowledge and experience. We believe that in order to provide our clients with the financial foundations they need to succeed, we must first take time to fully understand the depths of their personal financial goals. For this reason, we offer a complimentary consultation to review the following topics and address any questions you may have:
We believe creating a financial plan is the first step toward a successful retirement. Many factors affect your financial future, so we’ve created an in-house team of specialists to help you along the way.
We believe creating a financial plan is the first step toward a successful retirement. Many factors affect your financial future, so we’ve created an in-house team of specialists to help you along the way.
At Cerity Partners, we believe that true financial security comes from understanding the full scope of your benefits and opportunities. By focusing on your J&J benefits and aligning them with your broader life goals, we bring clarity and direction to your financial decisions. Our approach is about empowering you with knowledge and confidence as you navigate your financial future. ”John Stanovich, CFP®, Senior Principal
Frequently Asked Questions
The J&J stock price has risen approximately 45% in the last year*, creating real value for J&J employees who are holding options. This is a natural time to evaluate the amount of value that has already been realized and the amount of potential value that still remains.
This can be done both quantitatively and in relative terms based on your own net worth statement and your appetite for risk. Understanding the tax ramifications and how they integrate into your broader financial plan is essential.
*As of 05/05/2026
Understanding your vesting schedule and the tax implications of each decision is the foundation. From there, the timing of when you sell matters — both for tax efficiency and for managing concentration risk.
Selling vested shares strategically helps diversify your portfolio, and working with a financial advisor ensures your exercises align with your broader financial plan.
JNJ’s new true-up match ensures you’ll still receive the full company match at year-end — even if your contributions vary — as long as you contribute at least 6% of eligible pay in Pre-Tax or Roth each pay period.
Post-tax contributions now require a separate election and no longer receive a match. Structuring contributions across Pre-Tax, Roth, and Post-Tax buckets helps create a tax-diversified portfolio — providing greater flexibility at the income distribution stage.
The first step in maximizing your pension benefits is to fully understand how your plan works. JNJ offers two distinct pension plans:
Cerity Partners offers group benefits sessions to help you and your colleagues understand, appreciate, maximize your J&J benefits, so that you can stay focused at work and build your confidence in your overall financial plan. Topics can be customized to fit the needs of specific employee demographics. Common topics include:
See our full disclosures page for more information.
Schedule your complimentary discovery call with an advisor who specializes in your company benefits. They will assist in seamlessly incorporating these benefits into your broader financial strategy, guiding you forward in your financial journey.
Principal
Julio V. Driggs
Principal
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