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Tens of millions of Americans rely on their Social Security benefits, and many are in a position in which they can't really afford to lose their monthly checks. Yet there are a few situations in which the Social Security Administration can and will

It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that offers no immediate tax

HSAs have the potential to fill gaps in insurance coverage during retirement or employment changes.

Congress created Health Savings Accounts (HSAs) in 2004. As of January of 2015, the number of Americans utilizing these vehicles for accumulating

Retirement planning requires determining your retirement expenses, and that starts well before you retire.  

 Start your budget planning process at least five years before you plan to retire to help you determine whether you’ll have enough

If you and your family depend on income from your small business, you need to ensure that cash flow in the event your work flow falters.

You’ve insured your home and personal property, your vehicles and your life, but are you overlooking your most

A great transfer in wealth from aging baby boomers to younger generations is under way, and it is reshaping the wealth management industry in ways that demand greater efficiency and adaptation by incumbent firms.

 The shift to new investors is

529s have become one of the most popular college savings options. Here are some basics.

Looking to save for college? Take a number – the number 529 to be exact.

College Savings Accounts, or 529s as they’re nicknamed (after the IRS tax code), have

It’s conventional wisdom by now that Americans aren’t saving enough for retirement. Recent studies have shown that many Baby Boomers might have to live on a mere $7,000 to $9,000 a year during their golden years, based on their current savings (not

Forty years ago, the Stanford marshmallow experiment explored self-control by offering preschoolers a choice: Take a marshmallow immediately and get only one or wait to take a marshmallow and get two. Some chose the first option; others the second.

Nothing is more satisfying for advisors and their clients than planning, investing, and watching net worth gradually increase. And, nothing is more disheartening than having a significant portion of portfolio value disappear as the result of an

Sir John Templeton, creator of the Templeton Growth Ltd. fund, was a pioneer in both investments and philanthropy. In the 1950s, he provided advice on how to invest worldwide when Americans rarely considered foreign investments.

Much of what he

As you likely are aware, identity theft is a growing problem that’s affecting more and more people every day. 

You can be assured that the financial services industry takes this offense very seriously and  goes to great lengths, at all levels, to

As the seasons change and we’re into the fall and winter months, it might seem odd to think about next year’s taxes.

However, now is a good time to review your financial situation before the books close on the year, and take steps to hopefully

We are pleased to send you a copy of an article recently published by Forbes  featuring Michael Mullis’ expert insight of ‘How to Invest Your Money in Q4’.

We, along with 9 other firms nationwide, were asked to contribute our best mutual fund or

On August 30, 2015, Ben Stein from the CBS program talked about the recent happenings in the stock market. He discussed that those who blame China for the U.S. stock market's recent decline are missing an important piece of the explanation. We

College costs can be more than a little painful, but with the proper financial planning, you could be whistling your child’s college fight song all the way to the bank. 

Federal and state financial aid for college students may be shrinking but

Watching a parent becoming increasingly dependent on others for the normal activities of daily life can be a harsh reality. It can be even harder for the parent to admit needing help. 

Creating a plan for how you, your parent, your family and your

A well-designed plan is necessary for successful investing, but you must also have the discipline to stay on course, rebalance, and tax-manage, as needed.

Unfortunately, most investors do not have a written plan. And, emotions such as greed and

Michael Mullis, managing partner of Kelley & Mullis Wealth Management, could not be more at home dealing with finances.

The son of an accountant, Mullis says there has not been a time in his professional life when he has not been involved in the