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Connor McCullough - Northwestern Mutual

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Bend, OR
Connor McCullough - Northwestern Mutual

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Consultant and Advisor to Entrepreneurs, Pre-Retirees, and Established Families

Experience the personalized touch of a boutique firm, backed by the strength of a Fortune 500 powerhouse.

11/02/2026

Whole life insurance can be a helpful part of a long-term financial plan—but it depends on your needs, budget, and goals. Let’s talk through whether it makes sense for you. http://spr.ly/6182BH1XVk

10/29/2026

Year-end is when a lot of charitable giving happens, and most of it goes out as a check or a card payment. For physicians with a taxable brokerage account, there's often a better way to give the same amount.

Donating shares you've held more than a year, instead of cash, generally lets you deduct the shares' full market value and never pay capital gains tax on their growth. The charity receives the same dollars either way.

A rule change makes timing matter more this year. Starting in 2026, itemizers can only deduct charitable gifts above 0.5% of their adjusted gross income. At $500,000 of income, the first $2,500 of giving each year doesn't count.

That's one reason some families "bunch" several years of giving into one year, often through a donor-advised fund. They take the deduction once and grant the money to charities over time.

Same generosity, different mechanics. How does your family usually give: cash, or something else?

10/28/2026

The financial strategies I use are backed by nearly 170 years of strength and stability. I want to help you get on the right track, so reach out to me today.

10/28/2026

Many physicians assume their employer's disability coverage would replace most of their income. For high earners, the math usually tells a different story.

Group long-term disability plans commonly pay 60% of base salary, up to a monthly maximum. That maximum is often in the range of $10,000 to $15,000 a month.

Take a surgeon earning $450,000. Sixty percent would be $22,500 a month. With a $10,000 cap, the benefit stops there. And if the employer pays the premiums, the benefit is taxable, which can bring it closer to $8,000 a month after tax. Many plans also count only base salary, leaving out bonuses and productivity pay.

Group coverage is still valuable. It's often the cheapest coverage you'll ever have, and some plans can be supplemented at work. But it's worth reading your plan's cap, its definition of disability, and whether benefits are taxable before assuming you're covered.

10/27/2026

Economic data remains strong, but investors are weighing rising oil prices, sticky inflation, and the cost of the artificial intelligence (AI) buildout. Bonds rallied as yields fell, and many stocks outside the AI trade moved higher. Read Northwestern Mutual Wealth Management Company CIO Brent Schutte’s latest commentary and reach out to me to talk about how your plan is positioned. http://spr.ly/6180BH9e9Q

10/27/2026

Fall is contract season for graduating fellows, and a signing bonus is often the most exciting line in the offer. It's also the line most likely to surprise you later.

The first surprise comes when it's paid. Bonuses are usually withheld at a flat 22% for federal tax. If your first attending year lands you in the 32% or 35% bracket, the rest of that tax shows up in April.

The second surprise is in the fine print. Most signing bonuses are forgiven over two or three years. Leave early and you may owe back the full gross amount, even though you only received the after-tax portion. Getting that tax back is possible, but it happens on a later return, not when you write the check.

Neither is a reason to turn down a bonus. They're reasons to read the forgiveness schedule closely, set aside part of the check for taxes, and think about how long you realistically expect to stay.

If you're comparing offers right now, do you know what you'd owe if you left in year two?

10/27/2026

You spent years building toward retirement. Now’s a good time to make sure your money continues supporting the lifestyle and goals you’ve worked hard to achieve. Review your plan before year-end to provide the clarity and confidence to move into next year with stability and peace of mind.
http://spr.ly/6183BGLZDh

10/26/2026

A bonus gives you choices: spend some, save some, have a little fun, pay down debt, or invest for the future. If you’re not sure how to prioritize, let’s talk through the benefits of each option.
http://spr.ly/6180BGssFj

10/22/2026

The 20% deduction most physicians don't get

Physicians who own a practice or earn 1099 income often hear about the 20% qualified business income deduction. It sounds like it should apply. For most, at their income, it doesn't.

Medical practices fall into a category the tax code calls specified service businesses. For 2026, the deduction for those businesses starts phasing out at $201,750 of taxable income for single filers and $403,500 for joint filers, and it's gone entirely at $276,750 and $553,500.

Two more details people miss:
• It applies only to business income, such as a practice owner's share of profits or 1099 earnings. W-2 wages from a hospital never qualify.
• It's measured on taxable income, not gross. Pretax retirement contributions and other deductions can bring some physicians, often early-career owners or part-time physicians, back into range.

For a physician near the line, the deduction can be worth thousands. For one well past it, planning time is better spent elsewhere.

Has anyone ever told you whether you're above or below that line, or did the deduction just never come up?

10/22/2026

No matter which tier you find yourself in, I’m ready to meet you where you are and help you create a plan. So wipe your tiers, I got you.

Address

Bend, OR
97703

Opening Hours

Monday	5am - 6pm
Tuesday	5am - 6pm
Wednesday	5am - 6pm
Thursday	5am - 6pm
Friday	5am - 6pm
Saturday	10am - 12pm
Sunday	10am - 12pm

Telephone

+15033418707

Website

http://connormccullough.nm.com/

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