CONNECT

Address:

803 S. 33rd Street
Temple, TX 76504


11917 Oak Knoll Drive, Suite C
Austin, TX 78759

Phone:

(254) 899-9944

Fax/Other:

(254) 771-9921

Services

Melinda believes that everyone deserves access to solid, professional investing guidance- and that is just what you will receive from Bulls Financial Group! She cares about your future and your desire to provide financial security for yourself and your family- your goal to build wealth. Whether you are experienced with the ins and outs of financial planning or know absolutely nothing at all- she'll walk you through it every step of the way! Let her teach you the 5 Rules to Being a Successful Investor and help you get your financial household in order!

 

In order to develop the best financial strategy for your future, she must gather information about your current financial picture. It is vital that you have a consultation to sit down and talk- even if you are unsure of your needs and goals. Her approach is based on common sense- you’ll work through it together. She’s easy to talk to and will make sure you are comfortable every step of the way! It is her desire to establish trust and a long lasting relationship with her clients. And… you're under no obligation to buy- or do. Your initial meeting is complimentary- you have nothing to lose and everything to gain! Once your goals have been established, she will customize appropriate strategies to suit your vision and objectives. At Bulls Financial Group, she can help you execute a sound financial program utilizing the following products and services:

 

MoneyEdge-

"Failing to Plan is Planning to Fail."

No charge comprehensive financial analysis

YOU CANNOT HIT A TARGET THAT YOU CANNOT SEE.  The MoneyEdge Analysis provides accountability and measurable progress. It presents a comprehensive “snapshot” of your finances: net worth, retirement, college, savings, income, taxes, insurance, and a debt elimination report. Let Bulls Financial Group put together your analysis, (254) 899-9944.

 

Liquidity-

Do you have an Emergency Fund- commonly called a Rainy Day fund? Without it you are exposed when emergencies arise that are not covered by insurances. At Bulls Financial Group, having cash on hand is an important part of getting your financial household in order. A fully funded emergency fund has a goal of 3-6 months' worth of expenses.

                                                                     

Debt Elimination-

Do you have a Debt Snowball plan? She wants to help you eliminate your debt quickly and with permanence. Let Bulls Financial Group help you kick Murphy to the curb!

 

Retirement Planning-

Develop Your Retirement Strategy

Accumulation, Preservation, Distribution, Transference

You have questions? We have answers! Retirement income strategies are not just for the wealthy. Saving for retirement, and managing income once you retire, are two important aspects of personal financial management. One of the biggest challenges for people in retirement is trying to recreate the income streams they had when they were working.

 

Once you retire, the way you manage your income can mean the difference between living comfortably in retirement and running short of money down the road. Retirement Planning includes making the most of your employer-sponsored retirement plans and IRAs- determining how much you need to retire comfortably- and managing assets before and during retirement. Whether you are in retirement or still saving for it, there are actions you can take now to manage retirement income. There are things you need to know to make the best decisions for your future. Let Bulls Financial Group be your partner- to answer your questions & give you the professional guidance you deserve!

 

Investment Planning-

Asset Allocation, Time Horizon, & Risk Tolerance

After conducting a thorough professional financial analysis and after meeting with you to discover your financial goals for the future, Melinda will recommend the appropriate investment vehicles to help you reach your goals. Recommendations revolve around the concepts of Asset Allocation, Time Horizon, and Risk Tolerance. But there's no need to worry! Together we will create a solid, common-sense approach to manage and grow your finances and Bulls Financial Group will be there for you at every step along the way. Let us teach you the 5 Rules to Being a Successful Investor.

 

Insurance- Risk Management- Protection

Which ones do you need and how much is enough?

Insurance, a form of risk management, is a means of protection from financial loss and it has been around for centuries.

Let Bulls Financial Group sit down with you and review your existing policies. We will assess your insurance needs using our D.I.M.E. Analysis Method and will recommend policy changes when appropriate to help you find the best policies for your unique situation- giving you peace of mind.

 

Education Funding-

Educational Savings Accounts- 529 Plans- UTMA/UGMA

We all know that college costs are rising- but for those who start saving for it early, college is still within reach for most families. Once you determine how much you need to save or can afford to save, you need to decide what types of college saving vehicles you want to use. We need to sit down, look at all of the options and then decide which type would be the best for your children! Here are some highlights:

Coverdell Education Savings Accounts (ESAs) are college savings plans in which contributions grow on a tax-deferred basis and withdrawals are tax-free if used to pay for a broad range of educational expenses, including private high school tuition. Unlike 529 plans, ESA's have annual contribution limits and income restrictions.

Custodial accounts- Uniform Gift to Minors Act (UGMA) accounts or Uniform Transfer to Minors Act (UTMA) accounts- are another tax-advantaged way to save for college. A parent, grandparent or other adult is custodian for the account and makes all the investment decisions until the child for whom the account was opened reaches the age of majority.

One thing to remember when considering Education Funding options is that the tax rules that apply to college saving options are complicated. Let Bulls Financial Group help you decide which type might be right for you.

 

If you're ready to take steps towards financial security- have questions- or just seek more information - We want to hear from you! 

Here's how:

Office Locations & Directions

Contact Form

Email me at melinda@bullsfinancialgroup.com or pick up the phone (254) 899-9944.  

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Ask me about…

  • Investing for Wealth Accumulation.
  • 3 Types of Annuities: Fixed, Variable and Indexed.
  • The benefits and risks of Mutual Funds?
  • Hybrid Life Insurance policies as a solution to Long Term Care.
  • Employee & Executive Benefits- Helping your business attract & retain qualified employees through benefit packages.
  • Seminars.

 

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck