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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 building 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

If you are a parent or grandparent looking to help with education, there are powerful ways to do it.One option is "super...
09/23/2026

If you are a parent or grandparent looking to help with education, there are powerful ways to do it.

One option is "superfunding" a 529 plan, which means putting several years' worth of annual gifts into a single account so the money has more time to grow before it is needed. Another option is paying tuition directly to the school, which generally does not count against your annual gift tax exclusion.

Learn how these strategies work and why it matters whether you give to the student or straight to the institution: https://www.raymondjamesconnect.com/a1WoMR

Not all education gifts look the same on a financial aid form.A UTMA custodial account is treated as the student's asset...
09/15/2026

Not all education gifts look the same on a financial aid form.

A UTMA custodial account is treated as the student's asset, and student owned assets are often weighted more heavily in aid calculations. That means a large UTMA balance can reduce eligibility for need based aid. A 529 owned by a parent, on the other hand, is usually treated as a parent asset and can have a smaller negative impact.

If college financial aid is part of your planning, the way you structure education gifts can make a real difference. https://www.raymondjamesconnect.com/atuP1E

529 plans and UTMA custodial accounts both let you set money aside for a child's future, but they work very differently....
09/10/2026

529 plans and UTMA custodial accounts both let you set money aside for a child's future, but they work very differently.

➡️529 plan:
*An adult owns the account and controls how and when the money is used.
*The beneficiary does not ever have to take over the account.
*Funds are intended for education and can offer tax free growth and tax free withdrawals when used for qualified expenses.

➡️UTMA custodial account:
*The child is the legal owner from the start, tied to their Social Security number.
*An adult custodian manages the account until the child comes of age, then the young adult gains full control.
*The money can be used for education, a car, travel, or almost anything else that benefits the child.

To learn more about these tradeoffs and how they might apply to your family, read the full article here: https://www.raymondjamesconnect.com/afzLcl

Helping a child or grandchild with education is one of the most meaningful financial gifts many families want to make. T...
09/02/2026

Helping a child or grandchild with education is one of the most meaningful financial gifts many families want to make. The challenge is choosing how to do it.

Our latest article explains the key differences between 529 plans, UTMA custodial accounts, and direct tuition payments: how they are owned, how they are taxed, and how they can affect financial aid.

The goal is to help you make more confident decisions about supporting a student you care about.

Read the blog here: https://www.raymondjamesconnect.com/a0IPOz

Some families find it helpful to hold an occasional "family summit" where they confirm who does what, where key document...
08/26/2026

Some families find it helpful to hold an occasional "family summit" where they confirm who does what, where key documents are, and what Mom or Dad want if they need help with money or care.

That summit doesn't have to be formal or heavy. It might just be an afternoon where adult children meet the advisor, hear a high‑level overview of how things are set up, and ask a few questions about what would happen in an emergency.

If you'd like help planning or even facilitating a family money conversation, this article is a good first step: https://www.raymondjamesconnect.com/ajnDjp

If you grew up in a home where "we don't talk about money," these conversations can feel especially uncomfortable.The go...
08/20/2026

If you grew up in a home where "we don't talk about money," these conversations can feel especially uncomfortable.

The good news: you don't have to share every financial detail for a family money meeting to be useful. It can be enough to focus on roles and logistics, such as:
where the will, powers of attorney, and healthcare directives are kept,

*who has been named as executor and decision‑maker,
*when documents were last updated, and
*which professionals (advisor, attorney, CPA) your family should contact.

In the blog, we offer simple language you can use to start the conversation without turning it into a full financial disclosure.

Read it here: https://www.raymondjamesconnect.com/aB_v7v

One of the most important family conversations you can have is also one of the hardest: talking with aging parents about...
08/12/2026

One of the most important family conversations you can have is also one of the hardest: talking with aging parents about money and care.

Parents often don't want to feel like they're losing control, and adult children don't want to sound pushy. Too often, that means the first real conversation happens in the middle of a crisis.

A better option is to start while everyone is healthy, with simple, practical questions like, "If you had to be in the hospital or rehab for a month, how should we handle your bills and mail?" or "If something happened, what would you want me to do first?"

Framing it as a request for guidance keeps parents in the decision‑maker role and makes the conversation feel more respectful and less confrontational. https://www.raymondjamesconnect.com/a8bdxX

Most families know they should talk about money and caregiving. Very few feel comfortable starting the conversation.Our ...
08/04/2026

Most families know they should talk about money and caregiving. Very few feel comfortable starting the conversation.

Our latest article on family money meetings and caregiving plans is designed to make that first step easier. We cover:

*why it is better to talk while everyone is healthy,
*what to cover with aging parents (without sharing every detail), and
*how to keep the conversation as "conflict‑light" as possible.

If you've been putting this off, this is a gentle place to start.

Read the blog: https://www.raymondjamesconnect.com/aWwm9e

Estate planning isn't just for retirees.Once a child turns 18, parents no longer automatically have the legal right to a...
07/28/2026

Estate planning isn't just for retirees.

Once a child turns 18, parents no longer automatically have the legal right to access medical information or make healthcare decisions—even in an emergency. The same is true for other single adults of any age.

That's why we encourage every adult to have:
● a durable power of attorney for financial matters, and
● a medical power of attorney or healthcare directive appropriate for their state.

These documents allow a trusted person to step in if you're unable to act for yourself. They're simple steps that can prevent very difficult situations later.
We explain where these fit into a broader estate plan in our new blog:

https://www.onpurposefinancial.com/estate-planning-basics-getting-your-documents-accounts-and-digital-life-aligned/

Our online lives have become a real part of estate planning.Email accounts, photo libraries, cloud storage, social media...
07/22/2026

Our online lives have become a real part of estate planning.

Email accounts, photo libraries, cloud storage, social media profiles, and subscriptions can all create headaches if no one has been given authority or instructions. Some platforms let you choose a legacy contact or decide whether an account is shut down or memorialized; others require specific documentation before anyone can access or close an account.

It is worth deciding, ahead of time, who should manage or close your digital accounts, what you want preserved, and what you want removed completely.
Adding a simple note about this in your "executor notebook" can spare your family a lot of confusion later and make it clearer how you'd like your digital life handled when you are gone.

https://www.onpurposefinancial.com/estate-planning-basics-getting-your-documents-accounts-and-digital-life-aligned/

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