Mullooly Asset Management

Fiduciary Fee-Only Financial Planner | Investment Advisor in Wall, NJ

Certified Financial Planners NJ

Certified Financial Planners New Jersey

Certified Financial Planners NJ

Thank you for spending a moment with Mullooly Asset Management – serving New Jersey residents since 2002.  As certified financial planners, we cater to individuals and families throughout NJ to ensure their futures are financially fortified, upon retirement.  Along those lines, here’s a question and a statistic from CNBC that are worth noting.  Question:  What do the majority of Americans worry about, the most?  Answer:  Their financial futures.  And, now, for the statistic:  77% of Americans feel nervous about their financial situations, and their worries about retirement are the prominent concern.

No doubt, there are many factors in many people’s lives that cannot be controlled – we get it.  There are, however, many factors a person can control and build upon to create personal wealth – this is where our certified financial planners come in! 

One question we love to address is:  “Will I be able to do the things I want to do for the rest of my life, without worry?”.  The answer to that question can be a resounding “Yes!” for those who wish to pursue controlled spending, employ financial planning strategies, utilize sound investments, and embrace an approach to risk tolerance that suits their goals and investment temperaments.

Timing Is Everything

There is one more factor that is worth mentioning:  Timing.  The earlier one can become involved in sound financial management, the longer the time-frame financial-planning strategies have to generate personal wealth.

Timing is a big factor, especially with compound interest.  Here, compound growth becomes exponential and can, dramatically, boost returns since it is, essentially, interest on top of interest on top of interest – you get the idea.  It was Albert Einstein who said, “Compound interest is one of the most powerful forces in the universe.”

With compound interest, small initial investments can, and do, turn into small fortunes, but that represents only one retirement savings avenue.  Our certified financial planners would love to discuss the many ways your money and assets can grow for you and work for you, in mighty ways!

Our Fee-Only Structure is Transparent

Our NJ clients are interested in how our financial planners get paid – as they should be!  Our fee-only financial advisors are compensated by the fees our clients pay.  As a fee-only investment advisory firm, we prefer to operate differently than other financial advisors, brokerage firms, and insurance salespeople posing as financial planners. 

Our NJ clients appreciate the fact that:

  • We receive no hidden fees, kickbacks, or commissions.
  • Our fees are billed, quarterly, in advance – we offer online bill pay.
  • Fees are based on the total value of one’s assets we have under our management, on the final day of the prior quarter – we make it easy for you to calculate your fee.  For potential clients with less than $250,000 in investable assets, we offer a monthly subscription service.
  • Our fiduciary obligation keeps our fees as low as possible and compels us to remain unbiased, transparent, and act in your best interest, at all times!

Be Your Money’s Master! 

Whether you are more conservative and would lean more heavily on wealth protection or whether you have a more aggressive spirit and would seek rapid growth by focusing on capital appreciation, the bottom line is simple:  You want to control your money instead of your money controlling you!  It was Francis Bacon who once said, “Money is a great servant, but a bad master.”

The first step towards becoming your money’s master begins with our question-based discovery process that leads to a custom-fit financial plan/investment campaign.  Some might say you shouldn’t expect a custom fit in an off-the-rack world, but by partnering with our certified planners, a personalized and customized wealth-building campaign is what our clients expect, and it’s what they receive.

When you know your money is working for you in effective, worthwhile, and productive ways, it generates one thing money can’t buy:  peace of mind!  Are you ready to discover where your money would be best positioned to work the hardest and generate the highest yields and returns?

If so, it begins with determining:

Your Income Needs

  • How much will you need, upon retirement?
  • What will be its sources?
  • What age would be the most advantageous to begin Social Security?
  • From which investments should you draw income?
  • Which pension option might be best

You want a consistent and reliable stream of income during your retirement years!

Your Investment Needs

  • What degree of risk are you willing to embrace?
  • Will your investments be, correctly, coordinated?
  • Will you utilize low-cost investments?
  • Will your ROI be commensurate with the risk amount you are taking?

You want to earn potential gains with a portion of your assets in the market!

Your Health Needs

  • How will you navigate Medicare?
  • How will you pay for medical expenses not covered by Medicare?
  • Will you require, or opt for, long-term care insurance?

You want your assets shielded from skyrocketing health-care costs!

Your Tax Needs

  • How will your tax requirements be minimized?
  • Would a Roth conversion work well for you?
  • How ‘tax efficient’ will your withdrawal strategy be?
  • Will you be able to bypass capital-gains tax?

You want to utilize strategies that will reduce your tax burden and not allow taxes to derail your retirement!

Your Estate Needs

  • Are your transfer-of-wealth designations and/or beneficiary designations in place?
  • What might be included in your will, power-of-attorney, and healthcare directives?
  • Will you require a trust?

You want to leave a meaningful legacy to those you love!

Is Today the Day You Plan for Your Future?

What we do today leads us to tomorrow’s destination.  According to Bankrate, 61% of American consumers wouldn’t have $1,000 in savings to cover an emergency expense.  This, powerfully, demonstrates the critical importance of taking financial planning and wealth building seriously.

Robert Kiyosaki founded ‘Rich Dad Company’.  His insight on money is unarguable, and he stated, “It’s not how much money you make, but how much money you get to keep, how hard it works for you, and how many generations you keep it for.”

From savings advice, retirement planning, insurance guidance, minimizing taxes, downsizing advice, and investments, Mullooly covers the spectrum of retirement preparedness.  The future can feel very uncertain, but isn’t it nice to know your financial security will be waiting for you when you need it the most, during your retirement years!

We’re Family Owned

Located on the Jersey Shore, our family business doesn’t utilize call centers – when you contact us, you will reach one of our team members.  Our four financial experts – Tom Mullooly, Owner and Founder of Mullooly Asset Management, Inc., and three sons – work, in unison, serving hundreds of families in NJ.  We, currently, manage $315 million in assets. 

We would love to meet with you to discuss your ambitions and destinations, but if you feel you’re not quite ready to take the first step towards financial security, download our free report:  4 Steps to Prepare for the Next 25 Years.  May it empower you!

Our Approach – Methodical and All-Encompassing

Fit Meeting:  This is a 20-30 minute meeting via zoom, over the phone, or at our office.  There is no obligation.  We wish to become acquainted with you and become familiar with your financial objectives.  This is an ideal time for lots of questions!  Are we a good fit?  Let’s find out!

Data Gathering:  If the fit is one that is mutually agreeable, we would create a secured and encrypted portal allowing you to upload documents to share with us.  Our ongoing communications would align with your preference – email, zoom meetings, phone calls – whatever works best for you!

Planning Review:  Here, we begin putting together the building blocks of your financial plan.  We would,  also, construct a balance sheet and personal financial statement based on the information you have provided.

Measuring Risk:  Determining your tolerance for risk is extremely important, and we have the tools to measure that.  We would, also, measure the amount of risk embedded in your existing investments.  At this point, we would have a good feel for the next move forward.

Specific Investment Discussion and Implementation:  A specific investment path would be discussed as well as how to, ideally, implement it.  As a fiduciary, we are mandated to fully understand your situation prior to making investment recommendations and planning suggestions.  This method has proven to work very well for our NJ clients as well as our team! 

If you are ready for a Fit Meeting, at a date and time that caters to your schedule, just click https://mullooly.net – we look forward to meeting you!

Ready for Financial Peace? – Let’s Talk!

NJ residents can connect with our certified financial planners by: