Our Services

Financial InvestmentsWe strive to provide service standards above the average garden variety!

Please feel free to call us to discuss the fees that we charge for our services.

Traditional Financial Planning & Financial Advisory Services through Newbridge Securities Corp.

• Wealth Management Services
• Investments and portfolio management services
• Retirement Planning
• Cash Flow Planning & Management


Tax Planning Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC

• Wealth Management Services
• Federal and State Income Tax Planning
• Estate, Trusts and Gift Planning


Other Special Services Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC

• Wealth Management Services

• Risk (Insurance) Management Planning
• Financial Information for Women
• Special Services for our Older Clients
• Charitable Gift Giving Counseling
• Business Succession Planning


Financial InvestmentsINVESTMENTS AND PORTFOLIO MANAGEMENT SERVICES
(Offered through Newbridge Securities Corp.)

Markets Go Up & Markets Go Down! So, we work with you to create diversification!

Financial advice is everywhere but good financial advice may be rare.  Everyone seems to have a hot tip but few may have comprehensive long-term strategies for achieving financial success.  This is where we strive to make a difference.

Assets allocation is the cornerstone of our portfolio management style. We also believe that uncertain markets underscore the important need for diversification globally among asset classes. So, we offer a very wide assortment of products in each security category to build your unique asset allocation model and recommend cutting edge market strategies for your portfolio.


• Bonds & other fixed income products
• Closed End Funds (CEFs)
• Exchange Traded Funds (ETFs)
• Mutual Funds
• Real Estate Investment Trusts
• Stocks – common & preferred
• Unit Investment Trusts (UITs)
• Fixed & Variable Annuities

Income producing securities is of special interest and importance to us because of the demands of our aging population.

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Financial InvestmentsRETIREMENT PLANNING
(Offered through Newbridge Securities Corp.

Bald, helpless and broke is how you are meant to begin your life -- not end it!

So, whether you are looking for advice to plan for your retirement or you are already retired. We are here -- ready to help you at each phase of your journey!

Accumulation Phase:

We will educate and help you sort out the various alternative investment vehicles that are available to you:

  • Traditional IRA
  • Roth IRA
  • Simple IRA
  • SEP IRA
  • Money Purchase Plans
  • Profit Sharing Plans
  • 401(k) Plans
  • 403(b) Plans

Distribution Phase:

You had a retirement savings strategy – but did you know you would need a spending one too?

Your money has to last you for the rest of your life and so it is vital that you let us help you develop a spending plan that takes inflation and other life changes into consideration.

We can help you analyze your future needs and determine how to manage your future distributions and help protect your nest egg.

We can help you work through the following situations:

  • 72(t) Early Distribution
  • Rollovers and Transfers
  • Split Laddering
  • RMD - Required Minimum Distributions
  • Age 55 Exception
  • Net Unrealized Appreciation

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Financial InvestmentsCASH FLOW PLANNING & MANAGEMENT
(Offered through Newbridge Securities Corp.)

This is the cornerstone but may be the most overlooked part of a comprehensive financial plan and so we work closely with our clients to help them understand the dynamics of their cash inflows and outflows and what the effect of inflation may be on these as the years go by.

This analysis, in turn, can influence the direction of the investment program that we will develop and recommend for each individual client.

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Financial InvestmentsFEDERAL & STATE INCOME TAX PLANNING
(Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC)

We will strive to help you keep more of what is yours!

Every financial plan includes a review of your current tax situation.

The very powerful CPA advantage is at your service to help you with your income tax planning needs. We educate you on smart alternatives that you can consider to help reduce your tax burden at each step of the way.

Combine this with experienced financial advice and you’ve really found something special!

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Financial InvestmentsESTATE, TRUST & GIFT TAX PLANNING
(Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC)

The very powerful CPA advantage is again at your service. Patricia was one of the co-founders of the Monroe County Estate Planning Council and her niche as a CPA always focused on working in the area of estates, trusts and gift planning.

Patricia is often asked to provide expert testimony in this area and continues to help her clients develop comprehensive estate & gift strategeis.

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Financial InvestmentsINSURANCE & RISK MANAGEMENT SERVICES
(Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC)

You got where you are today by working hard and working smart. This means using all your resources to their maximum potential.

Your time, talent and resources are always on the line and at risk. It is imperative that your financial and estate plan takes into consideration the risks that you, your family and your business cannot afford to take.

Using reputable insurance companies, we offer the following insurance products to help you complete your financial plan:

  • Life Insurance
  • Disability Insurance
  • Long Term Care Insurance

But, first, we discover and educate you on what your risk needs are so that you can plan your insurance protection strategies.

  • A provide a complete analysis of your insurance needs
  • We design a comprehensive insurance protection program for you
  • We select the company or companies best suited for your situation
  • We present a competitively priced proposal
  • We periodically review the adequacy of your insurance program
  • We always look for ways to save you money

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Financial InvestmentsWEALTH MANAGEMENT SERVICES

We continuously research new and innovative products so that we have a steady stream of new strategies to offer our clients. We also pride ourselves in being able to come up with a supply of bright new ideas for our clients:

Special services of Mull & Associates Financial Services, LLC include:

  • Estate and Trust Planning
  • Business & Business Succession Planning
  • Cash flow management services
  • Use of office facilities for meetings with professionals

Special services of Newbridge Securities Corp. include:

  • Asset protection reviews & planning
  • Wealth Accumulation & Conservation Planning
  • Generational Planning

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Financial InvestmentsFINANCIAL INFORMATION FOR WOMEN
(Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC)

Research has shown that, generally, women have not taken responsibility for their financial future.

Recognizing this problem, we take special care to educate our female clients to help them come to grips with their future.

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Financial InvestmentsSPECIAL SERVICES FOR OUR OLDER CLIENTS
(Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC)

We recognize the needs of our older clients - they need income and do not want to be bothered with paperwork anymore. We can help!

Our services include:

  • Income cash flow analysis 
  • Planning & coordination with family members
  • Asset protection review & planning
  • Help you work with independent bookkeeping and professional services to help ensure that your assets remain yours!

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Financial InvestmentsCHARITABLE GIFT GIVING COUNSELING
(Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC)

We are always delighted to work with our clients in this special area and help them to sort through the best ways of providing a gift to their targeted charity or charities.

Whether you are interested in starting your own private foundation or simply giving your gift directly to your favorite charity before or after you pass – we can help you develop a plan for doing this.

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Financial InvestmentsBUSINESS SUCCESSION PLANNING
(Offered by Patricia B. Mull, CPA, PFS through Mull & Associates Financial Services, LLC)

For those clients who own their own businesses and need to plan their exit strategy Patricia can help you plan this because of her specific experiences over the years in this highly specialized area. Patricia has planned both private and public mergers and acquisitions during her CPA career and is happy to continue to use her knowledge in this area to bring her clients to a safe harbor.

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