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The Tax Ticking Time Bomb: How to Recognize & Manage Tax Traps in Retirement


The book goes in depth on how you can develop an investment strategy that will create success for you if you are new to investing, while how to refine your portfolio if you are a more experienced investor. By following an academic approach, you avoid the pitfalls of market timing, stock picking and track record investing.
The second half of the book is for those who are thinking about retirement or close to retirement. If you have been following the classic way of saving for retirement, namely using 401K(s), 403b(s) and IRA, there are TAX TRAPS waiting for you in your retirement years. Read this book and you will learn how to be a successful investor and how to make your Golden Years as tax free as possible.




How Will Divorce Affect Your Finances?

Divorce has a psychological, emotional and financial impact on an entire family. The financial impact can be considerable as income changes and costs for support rise. Be prepared. Statistics show that only 42% of custodial single parents who are awarded child support in 2011, for instance, received all of the child support money that was due.

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Bill Mullen MBA, CFP® Presents:
QUOTE OF THE QUARTER “The grass is not, in fact, always greener on the other side of the fence. Fences have nothing to do with it. The grass is greenest where it is watered.” – Robert Fulghum A review of 1Q 2016 THE QUARTER IN BRIEF
In investing, patience is often a virtue. For an illustration of why it matters, simply look at the opening quarter of 2016. Stocks plunged in January and fell further in early February, and a bear market seemed a possibility.

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You Retire, But Your Spouse Still Works

That development may mean lifestyle as well as financial adjustments.
Provided by Bill Mullen MBA, CFP®

Your significant other may retire later than you do. Sometimes that reality reflects an age difference, other times one person wants to keep working for income or health coverage reasons. If you retire years before your spouse or partner does, you may want to consider how your lifestyle might change as well as your household finances.


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Saving for College and Retirement

Tips on trying to meet two great financial goals at once.
Provided by Bill Mullen MBA, CFP®

Saving for retirement is a must. Saving for college is certainly a priority. How do you do both at once?   Saving for retirement should always come first. After all, retirees cannot apply for financial aid; college students can. That said, there are ways to try and accomplish both objectives within the big picture of your financial strategy.   Click Here to Continue Reading

What is the real cost of identity theft? It goes beyond just financial loss.

In the past, identity theft happened when someone stole your wallet or picked through your trash or your mail. Today’s theft is much more sophisticated. Today, it’s cyber crime, and there are over 1.5 million victims daily.

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Bill Mullen MBA, CFP® Presents:


“The more I want to get something done, the less I call it work.”
– Richard Bach
There are four instances when using a credit card may be preferable to using a debit card. One, when you buy something online. Two, when you are in a rewards program. Three, when you pay for lodging or fuel. Four, when any point of purchase appears sketchy. Which side of an ocelot has the most fur?

Last month’s riddle:
I occasionally run, but I never walk. Everywhere I go, thoughts are close behind me. What am I?

Last month’s answer:
A nose.

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