Meet John Mulheron Jr.

Retirement planning starts with a conversation — not a sales pitch.

Founder, RICP®
Your Money Has a Story.
I'm Here to Listen.

I started Benequity Partners because I believe retirement planning should begin with a simple question: What do you actually want your life to look like?

Not what index your portfolio is benchmarked against. Not what the market did last quarter. But what you want your money to do for you — whether that's retiring early, helping your grandchildren, or simply knowing you won't run out.

I'm a Retirement Income Certified Professional (RICP®) through the American College of Financial Services, a licensed insurance agent, and an Investment Advisor Representative through Brookstone Wealth Advisors, LLC. Those credentials mean I have the tools. But what matters more is that I take the time to understand your story before I recommend anything.

Every client gets a written plan built around their goals — not a boilerplate template. Because your retirement isn't generic, and your plan shouldn't be either.

What We Stand For
Built on Fiduciary Principles
These aren't marketing slogans — they're how we operate every day.

Your Best Interest, Always

As a fiduciary, I have a legal obligation to act in your best interest. That means recommending what's right for you, even if it means less revenue for me. Full transparency, full disclosure, no exceptions.

Goal-Based, Not Benchmark-Based

We don't measure success by whether your portfolio beat the S&P 500. We measure it by whether you're on track for your retirement — your where and your when. That's the only scorecard that matters.

Fee-Based Transparency

We're generally compensated on a fee-only basis. When a commission-based product genuinely serves your interest — like certain insurance solutions — we disclose it fully and explain why. No hidden costs, no surprises.

A Written Plan You Can Hold

Every engagement produces a real, written retirement plan. Not a vague conversation. Not a stack of printouts from a software tool. A plan you can read, reference, and hold us accountable to.

Credentials & Affiliations
Qualified to Serve You
🎓

RICP® — Retirement Income Certified Professional

American College of Financial Services. Specialized training in retirement income strategies, Social Security optimization, and distribution planning.

📊

Investment Advisor Representative

Through Brookstone Wealth Advisors, LLC (BWA), a registered investment advisor with the SEC.

🛡️

Licensed Insurance Agent

Life, health, and annuity products — individually appointed. Insurance products are offered independently of BWA.

🏥

Maryland Health Connection Authorized Broker

Certified to help Maryland residents navigate ACA marketplace health insurance options.

Let's Talk
Your Story Starts With
a Conversation
Book a free initial appointment. No pressure, no pitch — just an honest look at where you are and where you want to go.
Book Your Free Consultation
📞 240-656-2456
📍 Largo, MD — Serving the DMV