Mitlin Financial, Inc.

10/14/2026

The most consistent trait of top performers is
Delayed Gratification

Willpower is Not Enough: The Unspoken Secret of Success an impactful presentation by Matthew Jarvis

10/14/2026

Are you missing out if you don’t buy more AI stocks❓

Should you move your money before the election❓

Can your investments grow while inflation stays high❓

Will your money support the life you want to live❓

Thank you to Ryan Detrick for answering many of the questions people are asking about the election … inflation … the markets and their money

🎙️ enJOY Ryan’s conversation with wherever you get your podcasts

→ https://youtu.be/0xWDIYDzq8c

10/13/2026

📈 The Bull Turns Four as the Midterm Elections Approach
⭐
Key Takeaways:
▪️The bull market turns four today, with the S&P 500 up close to 120% (price return) from its October 2022 low.
▪️This is the third-best start for a bull market that made it to its fourth birthday since 1950.
▪️Year five of a bull market has historically been strong.
▪️The president’s party usually loses ground in midterm elections, which sets up the House to flip to Democratic control while the Senate is closer to a toss-up.
▪️Midterm elections usually don’t matter much to markets, but markets do tend to like mixed government.
⭐
You can read the rest of this week’s commentary on our website under Insights, Market and Investments
📧
Market Commentary posts weekly to Mitlin Financial, Inc® website and is sent to those who subscribe to the Mitlin Newsletter
🗞️
Don’t get the Mitlin Newsletter?
Get JOYful money insights delivered to your inbox weekly
→ 𝗺𝗶𝘁𝗹𝗶𝗻.𝘂𝘀/𝗡𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿

Bringing JOY to Your Money Journey®

Mitlin Financial, Inc.® helps families connect their money to the life they want to live. Grounded in the belief that financial planning should begin with what brings you JOY, Mitlin builds plans around the moments, people, and experiences that matter most.

By focusing on what gives you meaning, Mitlin helps the families they serve make financial decisions that support the life they actually want.

At the center of that work is one simple question: What did you do today that brought you joy?®

Mitlin Financial, Inc is an RIA located in Hauppauge, New York, serving families across the United States.

10/13/2026

📈 The Bull Turns Four as the Midterm Elections Approach
⭐
Key Takeaways:
▪️The bull market turns four today, with the S&P 500 up close to 120% (price return) from its October 2022 low.
▪️This is the third-best start for a bull market that made it to its fourth birthday since 1950.
▪️Year five of a bull market has historically been strong.
▪️The president’s party usually loses ground in midterm elections, which sets up the House to flip to Democratic control while the Senate is closer to a toss-up.
▪️Midterm elections usually don't matter much to markets, but markets do tend to like mixed government.
⭐
You can read the rest of this week's commentary on our website under Insights, Market and Investments
📧
Market Commentary posts weekly to Mitlin Financial, Inc® website and is sent to those who subscribe to the Mitlin Newsletter
🗞️
Don’t get the Mitlin Newsletter?
Get JOYful money insights delivered to your inbox weekly
→ 𝗺𝗶𝘁𝗹𝗶𝗻.𝘂𝘀/𝗡𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿
Bringing JOY to Your Money Journey®
Mitlin Financial, Inc.® helps families connect their money to the life they want to live. Grounded in the belief that financial planning should begin with what brings you JOY, Mitlin builds plans around the moments, people, and experiences that matter most.

By focusing on what gives you meaning, Mitlin helps the families they serve make financial decisions that support the life they actually want.

At the center of that work is one simple question: What did you do today that brought you joy?®

Mitlin Financial, Inc is an RIA located in Hauppauge, New York, serving families across the United States.

10/12/2026

Your best employees may not leave because of money.

Sometimes, they leave because they feel forgotten.

You get busy. Your calendar fills up. You tell yourself you’ll check in next week.
But your team still needs to know that their work matters.

A simple conversation can help you reconnect:

Start by taking responsibility for the missed check-ins.

Give honest feedback or recognition.
Then create a plan that supports their next goal.

You don’t need a perfect speech.
You need to show up, listen, and make it clear that you see the person behind the role.

The people helping you build your business deserve more than a task list.

They deserve leadership that invests in them.

Thank you to Lia Garvin | Team Management, Systems, COO for sharing her expertise

10/12/2026

Retirement gives you more control over your time.....

With the right planning, it can also give you more control over your taxes.

Where you take income from, when you take it, when you claim Social Security, and how you handle required distributions can all affect how much of your retirement savings you actually get to keep.

And some of the most valuable tax planning may need to happen before you retire.

Here are 8 tax topics worth discussing with your financial advisor before you leave the workforce.

1. Tax Strategies for Retirement Income

If you have multiple retirement accounts, understanding which accounts to withdraw from and when can get complex. This is why it’s best to consult with a professional on the right strategy to help minimize taxes for your specific financial situation.

2. Planning for RMDs

RMDs can be a silent tax killer in retirement. Tax-deferred retirement accounts require mandatory withdrawals once you reach a certain age 73 for those born between 1951-59, and 75 for those born after 1960. These withdrawals are fully taxable, and failing to take them triggers a substantial 25% penalty.

3. Avoiding the Widow’s Penalty

Many couples benefit from the Married Filing Jointly tax filing status, which offers favorable tax brackets (except at the highest level). However, after a spouse’s death, the survivor must file as Single, which uses tax rates that are roughly half the taxable income of the Married Filing Jointly bracket.

4. Social Security Impacts on Taxes

Many are surprised to learn that their Social Security benefits can be subject to federal taxes depending on their income. The portion of your benefits that may be taxable varies, since it depends on your income. It’s also a common misconception that tax rules for Social Security apply only to retirement benefits.

5. Healthcare Costs and Deductions

Healthcare costs, especially as you age, can easily become significant and unexpected expenses. Thankfully, some healthcare costs qualify for deductions if they exceed 7.5% of your adjusted gross income.

6. Not All Investments Are Taxed the Same

Withdrawals from traditional IRA or 401(k) are taxed as ordinary income, while profits from selling stock or real estate are taxed based on the lower capital gains tax rates (typically 15% or 20% for most retirees).

7. State Income Taxes

State taxes can play a significant role for retirees. It’s important to understand every state’s tax code structure, as not every state follows the federal law.

8. Estate Planning Strategies to Consider

Tax planning and estate planning work together to help save you money on taxes when transferring wealth.

8️⃣ Tax Planning Considerations Every Pre-Retiree Should Know →

Discover 8 tax planning strategies for retirement, from RMDs and Social Security to Roth conversions, healthcare costs, and estate planning.

10/11/2026

You don't have to invent the next big idea to become an entrepreneur.

For some people, starting a business feels exciting.
For others, the thought of building everything from scratch feels overwhelming.

There is another question worth asking:
What businesses already work?

Business acquisition can open a different path to ownership. Instead of starting with an empty page, you can explore opportunities that already have customers, operations, and a history.

That doesn't mean every business is a good fit or that success is guaranteed.
It means entrepreneurship has more than one starting point.
The more options you understand, the better prepared you are to decide what fits your goals, resources, and life.

Sometimes the opportunity isn't waiting for you to create it.
Sometimes it's waiting for you to recognize it.

Thank you to former NFL’er Corey Parchman for sharing lessons from his book ‘Already Built’ with the audience of the Mitlin Money Mindset.

10/09/2026

The next big opportunity may not come from where you expect.

When a country leads in technology, the impact reaches far beyond Silicon Valley.

Other countries need chips…..
They need software.
They need infrastructure.

That creates an opportunity for businesses and workers far beyond the companies building the technology.

Think about what happens when demand comes from Europe, Asia, India, Australia, Africa, and the Middle East.

Technology leadership can become an export engine.

For you, the bigger lesson is simple:
Pay attention to where the world is building, buying, and investing.

That is often where tomorrow's opportunities start to take shape.

Thank you to Wall Street Tech Analyst Dan Ives for sharing his expertise with the Mitlin Money Mindset audience.

Bringing JOY to Your Money Journey®

Mitlin Financial, Inc.® helps families connect their money to the life they want to live. Grounded in the belief that financial planning should begin with what brings you JOY, Mitlin builds plans around the moments, people, and experiences that matter most.

By focusing on what gives you meaning, Mitlin helps the families they serve make financial decisions that support the life they actually want.

At the center of that work is one simple question: What did you do today that brought you joy?®

Mitlin Financial, Inc is an RIA located in Hauppauge, New York, serving families across the United States.

10/08/2026

Your credit card limit is not your spending limit.
A credit card can be a useful payment tool.

For certain purchases, credit cards can also provide dispute protections when something goes wrong and assistance if your card is stolen or credit card number skimmed.

But there's one distinction that matters: Available credit is not available money.

If you can't afford a purchase without borrowing for it, putting it on a credit card doesn't make it affordable.

Social media can make this harder. You see....
The trips.
The cars.
The homes.
The dinners.

Then you start wondering why your life doesn't look the same....
You're not behind because someone else's highlight reel looks better.

Building wealth takes time. Your financial plan doesn't need to compete with someone else's feed.

Use credit as a tool. Don't let it become a way to finance a lifestyle you can't afford.

✂️ excerpt from Financial Advisor Jorrell Bland’s financial literacy webinar ‘The JOY of Finance’

10/08/2026

One question can save you months of wasted work.

Stop asking people if they like your idea.
Start asking what they're struggling with.

People naturally want to encourage you.
That doesn't mean they'll buy from you.

The businesses that grow fastest don't chase compliments.
They uncover problems worth solving.

When you understand someone's real challenge, your product, service, or business becomes far more valuable.

The best ideas don't start with opinions.
They start with listening.

Thank you to Justin Titchenell co-founded Sports Business Leaders for sharing his expertise with the Mitlin Money Mindset audience