Randal DeFillippis - Financial Advisor at LPL Financial

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Morrisville, PA
Randal DeFillippis - Financial Advisor at LPL Financial

Hey 👋, 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.

07/17/2026

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.

07/15/2026

If your company stock is 30%+ of your net worth, read this.

Because at that level…

You don’t just own the stock.

It owns a big part of your financial future.

And most people don’t feel it right away.

In fact, it usually feels like the opposite:

• The stock has done well
• Your net worth has grown
• It feels like a strength

So you let it ride.

Then it creeps higher.

20%… 30%… sometimes more.

And nothing seems wrong.

Until something changes.

A rough earnings call.
A failed trial.
A shift in sentiment.

Now that same position isn’t just “part of your portfolio.”

It is your portfolio.

Here’s the part most people miss:

Your exposure isn’t just in your account.

It’s everywhere.

• Your paycheck comes from the same company
• Your future RSUs depend on it
• Your career trajectory is tied to i

So when the stock moves…

Everything moves with it.

This isn’t about saying your company is a bad investment.

It’s about recognizing when one position has too much influence.

Because once you cross a certain threshold…

You’re no longer diversified.

You’re concentrated.

The goal isn’t to sell everything.

It’s to decide, intentionally:

• How much is “enough” to keep
• How much risk you’re willing to carry
• What happens as new shares vest

Without that…

You’re not really making a decision.

You’re just letting the position grow on its own.

And in this industry, that can work really well…

Until it doesn’t.

07/13/2026

Earnings season is when most people watch their company stock.

It’s also when the best financial move usually has nothing to do with trading it.

Because during this window, a lot of pharma employees are:

• In blackout periods
• Waiting on earnings results
• Watching volatility pick up

So decisions get delayed.

“Let me see what happens first.”

That sounds reasonable.

But here’s what actually tends to happen:

Earnings come out.
Stock moves.

And now every decision feels emotional.

• If it’s up… you hesitate to sell
• If it’s down… you hesitate to sell
• Either way… you wait

And waiting turns into months.

The best move during earnings season?

Decide before it starts.

• What happens to RSUs when they vest
• How much company stock you’re willing to hold
• Where proceeds go if you sell

So when the window opens back up…

You’re not guessing.

You’re executing.

Because you don’t control:

• The earnings report
• The market reaction
• The short-term movement

But you do control whether you have a plan in place before all of that hits.

Earnings season creates noise.

A plan cuts through it.

07/09/2026

Most pharma professionals aren’t one smart move away from getting ahead.

They’re one bad decision away from falling behind.

Not forever.

But for longer than they expect.

Because at higher incomes… mistakes carry weight.

A few that show up more than you’d think:

• Letting company stock build up unchecked
Feels harmless… until one drop wipes out years of gains
• Underestimating taxes
One off year turns into a five-figure surprise
• Treating big income events casually
Bonuses and RSUs come in… no real plan for them
• Waiting too long to make decisions
“I’ll deal with it later” turns into missed opportunities

None of these feel like major mistakes in the moment.

That’s the problem.

They’re quiet.

They build slowly.

And then one day you look up and realize:

You’ve been working hard…
Earning well…

But not actually moving forward the way you expected.

This isn’t about being perfect.

It’s about avoiding the handful of decisions that can set you back years.

Because once you’re off track…

It takes a lot more effort to catch up than it did to stay on course.

The people who make the most progress aren’t always doing more.

They’re just avoiding the big missteps.

07/07/2026

Your bonus isn’t taxed as high as it feels.

It’s withheld that way.

And that difference is where a lot of people overpay without realizing it.

Here’s what usually happens:

Bonus hits.
A big chunk disappears to taxes.

You assume… “that’s just what I owe.”

Not exactly.

Most bonuses are withheld at a flat federal rate.
Your actual tax rate might be higher… or lower.

Which means one of two things happens:

You owe more later
Or you gave the IRS an interest-free loan

Here’s how to avoid that:

1) Know your real tax bracket
Not just what’s taken out of your paycheck.

Your bonus stacks on top of your income.
That determines the actual rate it should be taxed at.

2) Adjust before it’s too late
If withholding is too low, you can:

Increase withholding on future paychecks
Make an estimated payment

If it’s too high, you can:

Reduce withholding elsewhere
Reallocate that extra cash intentionally

3) Decide where the bonus goes in advance
This is the part most people skip.

If there’s no plan, it gets:

Spent
Sits in cash
Or invested randomly

Instead, tie it to something specific:

Rebalancing your portfolio
Reducing concentrated stock exposure
Funding a defined goal

Your bonus isn’t just extra income.

It’s one of the biggest financial opportunities you get all year.

Handled right… it moves things forward.

Handled passively… it disappears faster than you expected.

07/06/2026

What happens to your financial plan if your company stock drops 30%?

Not the stock.

Your plan.

Because that’s where things get real.

For a lot of pharma professionals, a drop like that doesn’t just hit one area.

It hits everything at once:

Net worth takes a noticeable hit
A big portion of “future plans” suddenly feels delayed
RSUs that felt valuable… don’t feel the same anymore
Confidence in decisions starts to slip

And then come the questions:

“Should I sell now?”
“Should I wait for it to come back?”
“Did I mess this up?”

None of those are great questions to be answering in the moment.

Because they’re reactive.

Here’s the better question:

Would a 30% drop change your plan… or just the numbers inside it?

If it changes the plan, there’s a deeper issue.

It usually means:

• Too much reliance on one stock
• No clear system for handling equity comp
• Decisions that were based on optimism instead of structure

A well-built plan doesn’t require everything to go right.

It assumes some things won’t.

So when a drop happens:

• There’s already a strategy for what to do
• Your long-term direction stays intact
• You’re not forced into emotional decisions

You can’t control what your company stock does next.

But you can control whether it has the power to throw everything off course.

That’s the difference.

07/01/2026

Well… it’s official.

2026 is halfway over.

Which is usually around the time people realize:

“I meant to be more on top of this stuff…”

Not in a dramatic way.
Just a quiet feeling that things could be more organized.

So here’s a quick mid-year gut check:

By now, ideally you’ve:

• Looked at your YTD income
(salary, bonus, RSUs and where it’s actually gone)
• Made a plan for upcoming vesting and bonus timing
• Adjusted for taxes
(before they become a year-end scramble)
• Revisited your investment allocation
(not just added more to it)
• Used benefits intentionally
(instead of setting and forgetting)

If not… you’re not behind. But you are exposed.

Because the second half of the year is where a lot of the big decisions happen:

• More RSU vesting
• Potential bonus payouts
• Open enrollment
• Year-end tax planning opportunities

And those decisions don’t take long to make.

But they matter a lot if you get them wrong… or ignore them.

The good news?

You don’t need to “start over.”
You just need to get intentional from here.

You still have half the year left.

Plenty of time to make meaningful progress.

The question is…

Do you want December to feel like:

“I handled this well”

Or

“I wish I was more on top of it”?

06/29/2026

“My plan is to diversify later.”

I hear that one a lot.

Usually right after:

A strong run in company stock
A big vesting year
Or a promotion that increased equity comp

And it makes sense.

Why sell something that’s been working?

Here’s the issue…

In pharma, “later” can show up fast.

One trial result.
One FDA decision.
One earnings call.

And the same stock that felt like a strength… becomes a problem.

Not because the company is bad.

Because your exposure is too concentrated.

I’ve seen portfolios where:

A large percentage of net worth is in company stock
Future income depends on that same company
Career stability is tied to that same pipeline

Everything is pointing in one direction.

Until it’s not.

Diversification isn’t about giving up upside.

It’s about not letting one outcome control everything.

Because the goal isn’t to get every decision perfect.

It’s to make sure one imperfect outcome doesn’t derail the whole plan.

“Later” sounds harmless.

In reality… it’s a decision to stay exposed longer than you probably realize.

And in this industry, timing matters more than most people think.

06/25/2026

I've reviewed finances for lots of people in Pharma from lots of different companies.

Here are a few patterns that show up over and over:

1) Treating RSUs like a bonus instead of income
They vest… you hold… and suddenly a big portion of your net worth is tied to one stock.

It doesn’t feel risky because it came from your employer.
But financially, it’s no different than buying more shares on your own.

2) Assuming withholding = what you owe in taxes
It’s usually not.

Especially at higher incomes, the default withholding often falls short.
That gap turns into an April surprise.

3) Letting cash pile up without a purpose
Bonus hits.
RSUs vest.

Money builds up… but there’s no clear direction for it.

So it sits. Or gets invested randomly.

4) Benefits elections get rushed
Open enrollment decisions impact your taxes, risk, and long-term plan.

But for most people, it’s a 20-minute task once a year.

That’s not enough for something with that much impact.

5) Everything is managed separately
401(k) in one place.
Brokerage somewhere else.
Company stock in another account.

Each piece might be “fine” on its own… but nothing is working together.

None of these are huge mistakes on their own.

That’s why they stick around.

But over time, they compound.

And the difference between someone who feels organized vs overwhelmed?

It’s usually not income.

It’s whether these pieces are actually connected.

Address

222 Harper Avenue
Morrisville, PA
19067

Telephone

+12152954641

Website

http://www.PharmaFinancialAdvisor.com/

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