Kelley & Mullis Financial Updates

Written material is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary, therefore, the information should be relied upon when coordinated with individual professional advice.

Tax Savings through Year-End Gifting Strategies

financial planning

As the seasons change and we’re into the fall and winter months, it might seem odd to think about next year’s taxes, but now is a good time to review your financial situation before the books close on the year and take steps to try to avoid a large tax burden. It’s also a good time to consider possible year-end gifting strategies.

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Matchmaker: Maximizing Your Employer 401(k) Contributions

How a 401(k) plan (which may be employer-matched), could help you prepare for a comfortable retirement.

meeting with agreement

There can be a lot of confusing numbers floating around when you try to invest: 529s, 401(k)s and 403(b)s. But your goal to retire in comfort is probably very clear. General George S. Patton once said, “I always believe in being prepared,” and while he may not have been talking about retirement specifically, his objective transfers well.

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Start early on college saving

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.

college student graduating

Although federal and state financial aid for college students have decreased, published in-state tuition costs and fees at public four-year institutions increased 2.2 percent per year beyond inflation over the last 10 years, according to the College Board, a nonprofit representing colleges and universities.

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IRA Basics

Individual Retirement Accounts (IRAs) are a crucial component to many retirement plans.

As the first wave of the baby boomer generation begins to enter retirement, the focus on a comprehensive retirement plan has never been more prevalent. Most financial professionals agree that a comprehensive retirement plan should include some sort of employer-sponsored retirement plan, such as a pension plan or a 401(k). But it should also include your own personal savings plan, such as an Individual Retirement Account (IRA).

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Business Succession Planning

Before you can choose a successor, you need to know what your business needs to succeed after your departure.

Business Succession Planning

Entrepreneurs often spend so much time building their business, they give little thought to how they’ll leave it and often get blindsided by the amount of time it takes to create and execute an effective succession plan.

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Working Longer Before Retiring

Working Longer Before Retiring

Many pre-retirees are concerned that their nest eggs won’t be large enough to maintain a comfortable retirement. A recent study by the Transamerica Center for Retirement Studies reported 48 percent of workers surveyed listed outliving their money as one of their top fears about retirement, while 40 percent answered not meeting the basic financial needs of their family during retirement as their biggest concern.

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Communicating with a Financial Professional

Communicating with a Financial Professional

People generally expect financial professionals to focus on the fiscal side of their clients’ retirement plans. Without a doubt, ensuring clients have adequate savings to continue living comfortably is extremely important, and advisors do their best to help clients attain this security. But a deeper knowledge and understanding of the people they serve can help them provide an even higher level of service.

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Vestavia Hills, AL 35242

Phone: (205) 733-8006

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Securities offered through Kestra Investment Services, LLC, (Kestra IS), member FINRA / SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC, (Kestra AS) an affiliate of Kestra IS. Kelley & Mullis Wealth Management, Inc. is not affiliated with Kestra IS or Kestra AS. Kelley & Mullis Wealth Management, Inc. does not provide legal or tax advice.

This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC, may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. Neither Kestra IS or Kestra AS provides legal or tax advice. For more information, please contact our compliance department at 844-5-KESTRA (844-553-7872).