On Purpose Financial Management

On Purpose Financial Management Planning for every financial matter on your horizon. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

Pursuing your goals and managing your financial affairs doesn’t have to be complicated, not when you can count on a caring and experienced team to look out for you and your financial well-being. We believe our clients learn more about their investments in their first meeting with us than they ever knew – even after years of meeting with traditional financial advisors. Our team looks forward to bui

lding a loyal, longstanding relationship with you and applying our straightforward approach to shaping the future you envision.

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Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. McMullin Stone & Associates is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. Important Disclosure Information: http://raymondjames.com/smicd.htm

Many new retirees start with a number like "I think I'll need $100,000 a year." Once we look closer, it often turns into...
06/24/2026

Many new retirees start with a number like "I think I'll need $100,000 a year." Once we look closer, it often turns into something like $6,000–$7,000 per month for ongoing expenses, plus separate amounts for bigger, less frequent items like trips, cars, or home projects.

Treating all of that as one monthly "paycheck" can backfire. Extra cash in checking has a way of disappearing, much like closet space that never stays empty for long.

In our latest article, we explain why we:

● set a steady monthly withdrawal for day‑to‑day life, and
● plan and fund big, irregular expenses separately when they are actually needed.

That structure helps your savings last longer and reduces "accidental" overspending.

Read the full piece: https://www.raymondjamesconnect.com/aQkx2j

A lot of people think their retirement "withdrawal rate" will be one fixed percentage forever. In reality, it often chan...
06/18/2026

A lot of people think their retirement "withdrawal rate" will be one fixed percentage forever. In reality, it often changes over time.

If you retire before Social Security or a pension begins, your withdrawals from savings may need to be higher in the early years to fill the income gap. Later, when Social Security or a pension kicks in, your withdrawal rate from investments can drop, even if your lifestyle stays about the same.

Learn more about designing your retirement paycheck here: https://www.raymondjamesconnect.com/a1DIdj

It is one thing to see a large balance on a statement. It is another to see how that balance actually becomes your month...
06/11/2026

It is one thing to see a large balance on a statement. It is another to see how that balance actually becomes your monthly "retirement paycheck."

That is what our Cash Flow Reserve Ladder is designed to show. Time runs from left to right:

● On the left is your Checking Account with about one month of expenses.
● In the middle is your Cash Flow Reserve, holding roughly one to two years of expected withdrawals.
● On the right is your Investment Portfolio, split between conservative investments (about 3–7 years of spending) and growth investments (7+ years).

Each month, your checking account is refilled from the reserve. Periodically, and when markets allow, we refill the reserve from the investment portfolio and rebalance between conservative and growth investments.

We walk through how this ladder helps create a smoother, more predictable income stream in retirement here: https://www.raymondjamesconnect.com/aVHcD4

What happens when the paycheck stops, but the bills don't?For many retirees, the biggest financial question isn't "Do I ...
06/04/2026

What happens when the paycheck stops, but the bills don't?

For many retirees, the biggest financial question isn't "Do I have enough?" but "How do I turn what I've saved into a steady, reliable paycheck?"

In our latest article, we share how On Purpose Financial helps clients:

* turn portfolios into predictable monthly income,
* protect near‑term spending from market swings, and
* manage taxes more thoughtfully over time.

Read: "Designing Your Retirement Paycheck: Turning Savings into Steady Income"

If you are approaching retirement, or already in it, and want help turning savings into a paycheck, you can start a conversation with our team at onpurposefinancial.com. https://www.raymondjamesconnect.com/a6r74C

This week marks 10 years since Senior Client Service Associate Melissa Harvey joined our team. That's quite a milestone ...
06/02/2026

This week marks 10 years since Senior Client Service Associate Melissa Harvey joined our team. That's quite a milestone and represents countless phone calls, emails, and in-person interactions with and on behalf of our clients to make sure they are well taken care of. Thank you, Melissa, for your care, concern, and dedication to our clients for the past 10 years!

We hear these Social Security myths all the time:❌ "It is going bankrupt, so I should claim early"❌ "My taxes are saved ...
05/26/2026

We hear these Social Security myths all the time:

❌ "It is going bankrupt, so I should claim early"
❌ "My taxes are saved in a personal account"
❌ "I should not work while collecting benefits"

The reality? Each of these is more nuanced, and misunderstanding them can lead to costly decisions.

Before you act, make sure you are working with the full picture.

We break down what is true and what is not: https://www.raymondjamesconnect.com/aYA74D

In observance of Memorial Day, our office will be closed on Monday, May 25.We take this time to honor and remember the p...
05/25/2026

In observance of Memorial Day, our office will be closed on Monday, May 25.

We take this time to honor and remember the people who have served and sacrificed for our country.

We will resume normal business hours on the next business day.

Wishing you a safe and meaningful Memorial Day.

Did you know you may be eligible for Social Security benefits, even if you did not work much?✔️ Spouses can receive up t...
05/20/2026

Did you know you may be eligible for Social Security benefits, even if you did not work much?

✔️ Spouses can receive up to 50% of a partner's benefit

✔️ Divorced? You may still qualify (10-year rule applies)

✔️ Claiming does not reduce your ex-spouse's benefit

These rules can make a big difference, especially for caregivers or those with lower earnings histories.

Learn more: https://www.raymondjamesconnect.com/aqBU1X

Claiming Social Security at 62 versus waiting until later can make a meaningful difference in your monthly income.Yes, w...
05/14/2026

Claiming Social Security at 62 versus waiting until later can make a meaningful difference in your monthly income.

Yes, waiting often increases your benefit. But that does not mean waiting is always the right choice.
Your health, income, work plans, and overall retirement strategy all play a role in the decision.

We walk through how to think about timing in a way that fits your situation, not just general advice.

➡️ https://www.raymondjamesconnect.com/aZEUh7

Social Security is one of the most important and most misunderstood parts of retirement planning.When should you claim? ...
05/05/2026

Social Security is one of the most important and most misunderstood parts of retirement planning.
When should you claim?
How do spousal or divorced benefits work?
What happens if one spouse passes away?

In our latest blog, we break down how timing decisions affect your benefit, how spousal and survivor rules actually work, and the common myths that can lead to costly mistakes.

If you want clearer answers before making a big decision, this is a great place to start.

Read more: https://www.raymondjamesconnect.com/aXHj05

Address

Atlanta, GA

Opening Hours

Monday 9am - 4:30pm
Tuesday 9am - 4:30pm
Wednesday 9am - 4:30pm
Thursday 9am - 4:30pm
Friday 9am - 4pm

Telephone

+17704716674

Website

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