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

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/

Even a straightforward estate can create a long to‑do list for the person handling it: bank and investment accounts, ret...
07/16/2026

Even a straightforward estate can create a long to‑do list for the person handling it: bank and investment accounts, retirement plans, life insurance, utilities, insurance policies, and more.

We encourage clients to keep an "executor notebook" (digital, physical, or both) that leaves enough breadcrumbs to give their executor or family a clear starting point. It doesn't need every password; it simply needs to answer questions like:

● Where do you bank and invest?
● Who is your financial advisor?
● Do you have life insurance, and with whom?
● What utilities and services are in your name?
● Who needs to be contacted if something happens?

In our latest article, we explain how an executor notebook can reduce stress for the people you leave behind and how we can help you think through what belongs in yours.

Get the full overview:

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

For many people, estate planning feels like a stack of documents that gets signed once and then filed away in a drawer.I...
07/07/2026

For many people, estate planning feels like a stack of documents that gets signed once and then filed away in a drawer.

In reality, a good estate plan is more than a will. It's a combination of documents, account setups, and clear instructions that work together so your wishes are carried out, your family knows where to start, and someone you trust can step in if you can't make decisions for yourself.

In our latest article, we share key areas to review, from beneficiaries and powers of attorney to digital accounts and "executor notebooks," and explain how On Purpose Financial helps connect your legal plan with the way your accounts are actually set up.

Read the full post:

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

If you're not sure whether your documents, accounts, and digital life all match what you intend, we'd be glad to help you get started.

Our office will be closed on Friday, July 3, in observance of Independence Day.We wish you and your family a safe and ha...
07/03/2026

Our office will be closed on Friday, July 3, in observance of Independence Day.

We wish you and your family a safe and happy 4th of July weekend.

We'll resume normal business hours on Monday, July 6th.

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

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Atlanta, GA

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

Telephone

+17704716674

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