John G. Ullman & Associates’ experienced and caring professionals are here to work with you on matters that concern your financial wellbeing through every stage of your life. The topics below follow the progression of life’s major financial stages. We invite you to explore the links, where you’ll learn how we can help you, whether you’re just starting out on your journey, or you’re further down life’s path.

Starting Out Topics

  • Goal setting
  • Cash flow allocation
  • College debt
  • Professional compensation and planning
  • Your employer’s stock
  • Managing your investments
  • Home ownership: buying versus renting
  • Buying your first home
  • Buying a vacation home
  • Tax and mortgage interest considerations when buying a home
  • Tax considerations when selling or downsizing a home
  • Property and casualty insurance

Family Topics

  • Saving for life goals
  • Wills
  • If you’re divorced
  • If you’re a widow/widower
  • Working with the next generation
  • Saving for college
  • Choosing a college
  • Types of student loans
  • Caregiving
  • Disability insurance

Retirement Topics

  • Dynamic retirement planning
  • Retirement savings
  • Social Security analysis
  • Pensions
  • 401Ks, 403bs, TSPs, 457s, etc.
  • IRAs
  • Annuities
  • Spend-down strategies
  • Initial insurance assessment
  • Health insurance
  • Medicare
  • Life insurance
  • Insurance coverage away from home
  • Identity theft protection

Legacy Topics

  • Wills
  • Obligations of Executor
  • Power of Attorney
  • Healthcare Proxy
  • Trusts
  • Estate planning for your children and grandchildren
  • Charitable giving
  • Settling an estate or trust