Judy Lutzy
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- Full Name
- Judith F. Lutzy (Judy Lutzy)
- Title
- Financial Planner / Investment Advisory Representative, CERTIFIED FINANCIAL PLANNER™ (CFP®)
- Firm
- The Tilson Financial Group, Inc.
- Firm Type
- Family-led wealth-management firm / SEC-Registered Investment Adviser (RIA) — *not an angel-investment fund (see note below)*
- Investment Stage
- N/A — the firm provides retirement, portfolio and financial-planning services, not startup/seed-stage venture capital (the "Seed Round / Angel" label in the source stub is not supported by any evidence found)
- Target Company Profile
- Individuals and small businesses (wealth-management clients, not startups)
- Sector Focus
- Retirement income planning, comprehensive financial planning, portfolio management
- Geographic Focus
- New Jersey (registered to provide services in NJ)
- Location
- West Orange, New Jersey (Tilson Financial Group, New Jersey)
Background
Judy (Judith F.) Lutzy is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a seasoned financial planner with roughly 37 years of experience building financial plans and helping clients pursue their financial and life goals. She provides planning and investment management to small businesses and individuals, with a particular specialty in retirement income planning. She has also completed advanced training from the Kinder Institute of Life Planning, a program focused on aligning financial planning with clients' deeper life goals ("life planning").
Lutzy serves as an Investment Advisory Representative of The Tilson Financial Group, Inc., a family-led wealth-management firm based in New Jersey. According to industry records (CRD# 1933790), she holds Series 63 and Series 66 registrations along with her CFP® designation. She has been with Tilson Financial Group since approximately 2012; regulatory records also show prior affiliation with American Portfolios Financial Services, Inc. beginning around 2010. Tilson Financial Group is a small firm — roughly 9 employees across 2 offices — that manages several hundred million dollars in client assets and specializes in retirement planning, tax and estate coordination, and multi-generational strategies.
Beyond her advisory work, Lutzy is active in her community. She serves on the Endowment and Finance Committees of a local church, helps raise money for women running for public office, and volunteers as a mentor for college students entering the financial-planning profession.
Investment Thesis & Focus
- Works as a wealth manager / financial planner, not a startup investor — her "investing" is portfolio management on behalf of retail clients, not equity checks into companies.
- Client focus: individuals and small businesses, with a specialty in retirement income planning and life transitions.
- Approach: holistic, "life-planning"-informed financial planning (Kinder Institute training), emphasizing comprehensive retirement projections, tax planning, and estate/multi-generational coordination — consistent with Tilson Financial Group's stated philosophy.
- Fee model (firm-level): asset-based, hourly, and fixed fees for financial planning, portfolio management, and pension consulting.
Notable Investments
- No startup or venture portfolio companies could be identified. Judy Lutzy manages diversified investment portfolios for wealth-management clients through Tilson Financial Group; she is not associated with any publicly documented angel or seed-stage deals.
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