LOCATION. LOCATION. LOCATION. You’ve heard it before—and for good reason. In real estate, this phrase has guided decisions for over a century because it captures a simple truth: where something is matters just as much as what it is. Why Location Still Reigns Supreme Location shapes values in three powerful ways: Location affects access to […]
With tax season behind us, many taxpayers are breathing a sigh of relief. But for those who received an unexpected penalty notice alongside their tax bill this spring, a few questions may still be lingering: Why did this happen? How do I make sure it doesn’t happen again? Most IRS penalties are avoidable with the […]
A few months ago, I received not one – but two – compliments on my teeth and smile. And yes, I’m counting! Why? Because for most of my life, I dreaded going to the dentist. I was the kid with countless cavities and frequent fillings. Some dentists even told me I was just genetically prone […]
Your retirement savings may be getting a tax hit! If you’re age 50 or older, you may already know about catch-up contributions, the extra amount you can contribute to your retirement plan beyond the standard annual limit. However, recent changes under the SECURE 2.0 Act have raised an important question: Do income limits affect your […]
Medicare Open Enrollment is right around the corner, and it’s one of the most important times of year for anyone enrolled in Medicare. From October 15 through December 7, beneficiaries have the opportunity to review their current coverage and make changes. Updates made during this period will take effect on January 1, 2026. At Tull Financial […]
The Retirement Staircase: A Spending Analogy That Hits Home You ever walk down a few flights of stairs and not think anything of it—until you have to walk back up? That’s retirement planning in a nutshell. Going down is easy. Spending more as your income grows feels natural. But climbing back up—cutting back in retirement—is […]
The One Big Beautiful Bill Act (“OBBBA”), signed into law on July 4, 2025, represents one of the most comprehensive overhauls to the tax code in years. Its provisions touch many areas of individual and business planning, but for many taxpayers – especially those who give to charity – the biggest changes are in how […]
On July 4, 2025, President Trump signed into law the One Big, Beautiful Bill Act (“OBBBA”). OBBBA includes the largest tax overhaul since the Tax Cuts and Jobs Act of 2017 (“TCJA”), and it will affect almost every individual and business in the United States. The provisions in the new law go into effect on […]
As a millennial myself, I can testify that the idea of reading an article about my generations’ financial fears does not necessarily peak my positive interest. Whether you find yourself dealing with one or many of these fears, it can feel daunting. However, I implore you to stay engaged for the hopeful strategies after we […]
Last summer, I reflected on the idea of choosing your own path in retirement—symbolized by my decision to not play from the green tees during a golf tournament. That moment sparked a deeper realization: retirement isn’t a one-size-fits-all destination. It’s a journey, and it should be one you design intentionally. Recently, my wife Cathy and […]