Judith H. Luddy, CLU CHFC, CLTC, CHSNC

330 Whitney Avenue, Suite 600
Holyoke, Massachusetts 01040O: (413) 539-2367M: (413) 537-7615F: (413) 539-2300jluddy@charteroakfinancial.com

Professional Background

Judy Luddy is a financial services professional with Charter Oak Financial, whose proud history dates back to 1886. Judy established her practice in 1979, and since then has helped hundreds of clients visualize and execute a plan for their financial lives, from education funding to retirement and after. While Judy works with businesses and individuals in all phases of life, her role as a SpecialCare planner uniquely positions her to help to find lifetime financial solutions for families and their loved ones with special needs.

Active in both her community and within the industry, Judy serves on boards and in various volunteer leadership capacities with numerous non-profits: Easter Seals of Massachusetts; Pathlight (formerly The Association for Community Living); International Language Institute of Massachusetts; Zonta International, a women’s professional organization affiliated with the United Nations; and Women in Financial Services, the only women’s organization dedicated solely to women’s success in the financial services industry.

Judy is a self-proclaimed adventurous—though not always successful—cook, serious reader and avid gardener. When she’s not immersed in her hobbies, Judy and her husband, Fred, can be found out and about in their longtime hometown of Amherst, Massachusetts or keeping up with their four children and 12 grandchildren.

Areas of Practice

  • Retirement Planning
  • Risk Management
  • Special Needs Planning

Business / Civic Activities

實現目標的第一步: 與您可以信任的人交談




  • 保障家庭的未來財務狀況
  • 制定退休資金策略
  • 制定針對子女教育的儲蓄計劃
  • 幫助確保您的收入得到保障
  • 減輕在您年歲逐增時帶給親人的經濟負擔
  • 確保遺產傳承











請瀏覽 MassMutual.com 了解更多。


保險產品是由Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111) 及其子公司C.M. Life Insurance Co.和MML Bay State Life Insurance Co. (Enfield, CT 06082)發行。C.M. Life Insurance Co.和MML Bay State Life Insurance Co.在紐約未被公認。
© Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111).
保留所有版權 。www.massmutual.com.

Reaching your goals starts with speaking to someone you can trust


At MassMutual, we can guide you along the path toward achieving your financial goals.

As a MassMutual financial professional, I help individuals and families with their plans for the future. I can help you:

  • Protect your family’s financial future
  • Develop a strategy to fund your retirement
  • Create a plan to save for your children’s education
  • Help to ensure that your income is protected
  • Ease the financial burden on your loved ones as you age
  • Ensure a legacy for the future

Through a combination of my training and skills, I will work closely with you to help you prepare for a brighter future and help you fulfill your dreams.


Why work with MassMutual?

There are many factors to think about when choosing a financial services company. At MassMutual, we operate for the benefit of our participating policyowners. And when choosing a life insurance company – trust, strength, community, and stability matter.

MassMutual’s ‘people first’ approach dictates how we service both our customers and the communities where we serve, and it is reflected in a wide range of financial protection products and our world-class customer service.

To serve you better, we recruit financial professionals who understand your unique perspectives and support the communities in which we live and work.


About MassMutual

Founded in 1851, MassMutual had a single purpose: to help people secure their future and protect the ones they love. More than 165 years later – through varying political, social and economic climates – that commitment remains our guiding principle. It’s behind everything we do and every decision we make. It’s how we continue to deliver products and services to help our policyowners and customers achieve their financial goals, and protect those who matter most.

While dividends are not guaranteed, MassMutual has paid them to eligible participating policyowners every year since 1869.

For more information, please visit www.massmutual.com.



Policies, application forms, administrative documents, and forms are only available in English.

Insurance products are issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111) and its subsidiaries C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082). C.M. Life Insurance Co. and MML Bay State Life Insurance Co. are not recognized in New York.

© Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111).

All copyrights are reserved. Www.massmutual.com.