who we are
At Mullins Financial, we believe the people who serve our communities deserve financial guidance that serves them just as well.
We specialize in working with public service professionals - government employees, first responders, educators, and healthcare workers - helping them make sense of their financial lives and prepare for retirement with confidence. Many of the people we work with have strong benefits like pensions, deferred compensation plans, and retirement systems, but those benefits can often feel complex and difficult to navigate.
Our goal is to bring clarity to the big picture so you can understand how everything fits together and make informed decisions about your future.
We love serving those who dedicate their careers to helping others. Whether you work for a city, county, school district, hospital, or another public service organization, we understand the unique opportunities and challenges that come with your benefits and retirement plans.
At Mullins Financial, our mission is simple: help you move from feeling concerned about retirement to confident about the future - so you can focus on the work you do today and the life you want to enjoy tomorrow.
Clarify Your Vision, Goals, and Priorities
Clarify Your Vision, Goals, and Priorities
Before any strategy begins, we help you define what a secure and fulfilling post-service life truly looks like, so every financial decision is aligned with what matters most.
This includes:
• Defining what retirement (or your next chapter) looks like day-to-day
• Identifying short-term and long-term financial goals
• Prioritizing what matters most: family, flexibility, lifestyle, or legacy
• Clarifying any concerns or unknowns that are keeping you up at night
• Creating a clear picture of success so decisions feel intentional, not reactive
Legacy, Estate, and Beneficiary Planning
Legacy, Estate, and Beneficiary Planning
Once your vision is clear, we make sure what you’ve built is protected and passed on according to your wishes.
This includes:
• Reviewing and updating beneficiaries across all accounts
• Making sure wills, trusts, and estate documents are in place and aligned
• Planning for how assets transfer to your spouse, family, or causes you care about
• Coordinating with attorneys or estate professionals when needed
• Helping you think through not just what you leave, but how and why
Aggregate Everything In One Place
Aggregate Everything In One Place
Clarity starts with organization. We bring everything together so you can see your full financial picture in one place.
This includes:
• Gathering all accounts: retirement, pension details, savings, and investments
• Organizing insurance policies, debts, and key financial documents
• Identifying gaps, overlaps, or things that may have been overlooked
• Creating a simplified, easy-to-understand snapshot of your finances
• Helping you move from scattered accounts to a coordinated plan
Risk Management & Protection
Risk Management & Protection
Before moving forward, we make sure what you’ve built is protected from the unexpected.
This includes:
• Reviewing life, disability, health / Medicare, and long-term care considerations
• Evaluating your current insurance coverage and identifying any gaps
• Stress-testing your plan for unexpected events (market shifts, health, early retirement)
• Making sure your plan can hold up through different scenarios
• Helping you feel confident that your foundation is secure
Income Strategy & Investment Alignment
Income Strategy & Investment Alignment
This is where your plan turns into action - creating a strategy that supports your life in retirement.
This includes:
• Mapping out how your pension, savings, and Social Security work together
• Creating a reliable income strategy to replace your paycheck
• Aligning your investments with your goals, timeline, and comfort with risk
• Planning for different phases of retirement (early years vs later years)
• Making sure your money is working for you - not creating uncertainty
Tax-Smart Strategies
Tax-Smart Strategies
We look for ways to reduce unnecessary taxes so you can keep more of what you’ve worked hard for.
This includes:
• Identifying opportunities to minimize taxes now and in retirement
• Planning withdrawals from accounts in a tax-efficieny way
• Understanding how pensions and Social Security are taxed
• Coordinating strategies like Roth conversions when appropriate
• Helping you avoid surprises that can impact your income later
Year-Round Reviews, Adjustments, and Accountability
Year-Round Reviews, Adjustments, and Accountability
A plan isn’t something you set once and forget. We stay with you to keep everything aligned over time.
This includes:
• Regular check-ins to review progress and adjust as needed
• Updating your plan as life changes (retirement, family, health, goals)
• Keeping your investments and income strategy aligned
• Providing reminders and guidance so nothing falls through the cracks
• Giving you ongoing confidence that you’re still on the right path
