Your Retirement Our Commitment

Your advisor John Mulheron attended the American College of Financial Services where he earned his Retirement Income Certified Professional designation. The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy. The program, developed by more than 45 of the nation’s top financial retirement advisors, provides RICP® credential holders with best practices in areas including: • Social Security claiming • Evaluating and addressing risks faced in retirement financial planning • Choosing distributions from employer sponsored retirement financial plans • Medicare and other health insurance choices • Planning for long-term care needs • Choosing appropriate housing • Retirement income tax and legacy planning.