frequently asked questions
how do we work together?
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Working with Mullins Financial starts with understanding your goals, your current financial situation, and what matters most to you. From there, we guide you through the CLARITY Method to organize everything, build a plan, and provide ongoing support so you can move forward with confidence.
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The first meeting focuses on understanding your situation and answering your questions. We talk through your goals, your current finances, and any concerns you have so you can get a clear picture of where you stand and what the next steps could look like.
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You do not need to have everything prepared before your first meeting. We help you gather and organize your financial information as part of the planning process so nothing important gets missed. In fact, many people we work with don’t have their financial information organized and find walking through it together helpful.
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We meet regularly throughout the year to review your plan and make adjustments as needed. Financial planning is ongoing, so we stay connected as your life, goals, and market conditions change. Typically, there is more up front meetings and conversations to build CLARITY for you and then we find a regular schedule that works well for life’s twists and turns along the way.
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We’re compensated through a combination of planning fees, investment management fees, and in some cases, commissions on insurance or annuity products.
Financial planning is typically a flat fee - either one-time or ongoing - generally ranging from $0 to $2,500. For investments we manage, our advisory fee starts around 1.25% and decreases as assets grow. If insurance or annuity solutions are part of your plan, those may include a commission paid by the provider.
Before moving forward with anything, we clearly explain all costs so you understand exactly what you’re paying and why. Your first meeting is complimentary and there’s no obligation. Advisory services are offered only by Investment Adviser Representatives pursuant to an advisory agreement. -
Financial planning is an ongoing process, not a one-time event. We continue to review, adjust, and guide your plan so it stays aligned with your life and goals.
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If you are close to retirement, financial planning becomes even more important. We focus on turning your savings, pension, and benefits into a reliable income plan so you can retire with confidence.
what is the clarity method?
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CLARITY is a step-by-step financial planning framework designed to help you understand your full financial picture and make confident decisions. It brings together your goals, pension, savings, and investments into one clear and organized plan.
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CLARITY is important because retirement decisions involve multiple moving parts. It helps you understand how your pension, savings, and Social Security work together so you can plan with confidence instead of guessing.
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You do not go through everything at once. We guide you step by step at a pace that makes sense so the process feels manageable and clear. Each person’s journey is different so how we go through the CLARITY Method is personalized for your unique situation.
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Yes, one of the main goals of the CLARITY Method is to simplify your financial life so you clearly understand what you have and what it means for your future.
Why mullins financial?
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Mullins Financial focuses uniquely on public service professionals, such as government employees, first responders, educators, healthcare professionals, and those nearing or into retirement. This allows us to understand pensions, benefits, and retirement systems that many advisors overlook.
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Yes, we specialize in working with government employees, teachers, first responders, and healthcare professionals and understand the unique challenges they face.
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Working with a specialized advisor matters because your retirement benefits and pension systems are different and require specific knowledge to plan correctly.
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You will not be pressured. Our role is to guide and educate you so you can make decisions confidently at your own pace.
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We work with both individuals nearing retirement and those already retired, as well as those preparing ahead of time.
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We help you feel confident by showing you exactly where you stand and what steps to take next through a clear and structured plan.
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Our approach to financial planning is simple, clear, and practical, focusing on helping you make informed decisions without unnecessary complexity.