Mitlin Financial, Inc.

Mitlin Financial, Inc. Bringing JOY to Your Money Journey®

𝗕𝗿𝗶𝗻𝗴𝗶𝗻𝗴 𝗝𝗢𝗬 𝘁𝗼 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝗲𝘆 𝗝𝗼𝘂𝗿𝗻𝗲𝘆™

At Mitlin Financial, we help you pursue your JOY, whether just getting started, preparing for retirement, or well into your golden years.

⭐ What We Do
The driver is helping you find your vision of a JOYful life. That means helping you define what matters to you, putting a plan in place to help you pursue that, and then helping you maintain that JOY.

▪️ Fina

ncial Planning
▪️Retirement Planning
▪️Tax Planning
▪️ Estate Planning
▪️Investment Management

⭐ It brings us JOY to build deeply rooted partnerships that extend beyond building a portfolio

⭐ Financial literacy doesn’t come naturally to most, and it certainly isn’t taught in school; we take the time to keep you aware of your options

⭐ When you come through our doors, we never assume which spouse earns more, and we don’t make judgments based on your relationship status, appearance, or financial situation

⭐ Fiduciary
When you become a family we serve, our interests are immediately aligned with yours
That means we only offer you the strategies, solutions, or products we think will work in your best interest and toward your financial goals

Curious what it’s like to have your financial journey JOY-focused? Read what those we serve have to say about their experience
→ https://mitlin.us/saying

Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Third party posts found on this
profile do not reflect the views of CWM, LLC and have not been reviewed CWM, LLC as to
accuracy or completeness.

📈 Top Charts from the First Half and Why the AI Wave Is Everywhere⭐Key Takeaways: ▪️The first half of 2026 is officially...
07/17/2026

📈 Top Charts from the First Half and Why the AI Wave Is Everywhere
⭐
Key Takeaways:
▪️The first half of 2026 is officially in the books, and what a half it was: a war, an oil spike, a 9% pullback, and then a furious rally right back to new highs, leading to a 10.2% S&P 500 gain for the half.
▪️To mark the halfway point, some of the Carson Investment Research team picked their favorite chart from the first half and explained why, in their own words.
▪️The big themes: 2026 has traded like a typical President Trump year, the inflation problem has outgrown oil, the AI trade has migrated to memory, and software’s correlation with the S&P 500 has flipped negative.
▪️AI is no longer just a large cap growth story...it’s everywhere: value stocks, international stocks, and even small cap stocks.
▪️ If you take a look at small caps, we find AI exposure throughout the index, including the industrials sector, accounting for an estimated half of index returns despite only making up about a quarter of index weight.
⭐
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

07/17/2026

Most people don't wait to start because they lack money.....

They wait because they think they need more of it.

They often say I will work on their financial plan "once things settled down."

They wanted to earn a little more.

Save a little more.
Learn a little more.

Like so many of us, they believed there would be a perfect time to begin.

That day never arrived.
Life kept moving.

The bills changed.
The goals changed.
The excuses changed.
The opportunity cost kept growing.

After years of working with families, we have learned……

Your financial future rarely changes because you found the perfect investment.

It changes because you finally built a plan.
Technology has made that easier than ever.

Today, you can access budgeting tools, goal trackers, investing platforms, and portfolio management resources that used to be available only to people with much larger portfolios.

We love the idea of naming your savings after something that matters.

🏖️ Italy 2028
🎓 Emma's College
🚲 Family Bike Trip
❤️ Kitchen Remodel

When your money has a purpose, saving becomes personal.

The goal stops being a number.

It becomes something you can't wait to experience.

Compound growth doesn't reward perfection. It rewards time.

The best plan isn't the fanciest one. It's the one you start and follow through with

Here's to building wealth that helps you enJOY life along the way.

What financial goal are you working toward right now?

07/16/2026

Think all retirement rollovers work the same way?
Think again.

One investor thought he was moving his retirement savings correctly. Then the check arrived... $60,000 short.

The reason?
He accidentally chose an indirect rollover instead of a direct rollover, triggering an automatic 20% federal tax withholding before the money ever reached him.

The difference between a direct and indirect rollover may seem small, but the IRS treats them very differently. Understanding how each works can help you avoid unnecessary taxes, withholding, and costly mistakes.

Before moving your retirement savings, make sure you know which type of rollover you’re choosing.

Financial Advisor and Founder of New York based Mitlin Financial shares for a simple paperwork error could end up costing you thousands.

Have questions about retirement rollovers? Drop them in the comments below.

07/16/2026

The biggest risk for investors isn’t always the market…..
It’s the reaction to the market.

Every investor wants to know:
→ When will the next pullback happen?
→ How big will it be?
→ What will cause it?

The truth is…..
Nobody can predict every market move.

Interest rates, economic decisions, and unexpected events will always create uncertainty

But history shows that market pullbacks are part of long-term investing.

The investors who stay focused understand that short-term volatility does not erase long-term opportunity.

A strong financial plan helps you make decisions based on your goals, not your emotions.

Because building wealth requires patience through every market environment.

Thank you to Carson Group’s Chief Market Strategist and CNBC Contributor Ryan Detrick for sharing his insights with Financial Advisor and Mitlin Founder Larry Sprung on the Mitlin Money Mindset

07/16/2026

📈 Top Charts from the First Half and Why the AI Wave Is Everywhere
⭐
Key Takeaways:
▪️The first half of 2026 is officially in the books, and what a half it was: a war, an oil spike, a 9% pullback, and then a furious rally right back to new highs, leading to a 10.2% S&P 500 gain for the half.
▪️To mark the halfway point, some of the Carson Investment Research team picked their favorite chart from the first half and explained why, in their own words.
▪️The big themes: 2026 has traded like a typical President Trump year, the inflation problem has outgrown oil, the AI trade has migrated to memory, and software’s correlation with the S&P 500 has flipped negative.
▪️AI is no longer just a large cap growth story...it’s everywhere: value stocks, international stocks, and even small cap stocks.
▪️ If you take a look at small caps, we find AI exposure throughout the index, including the industrials sector, accounting for an estimated half of index returns despite only making up about a quarter of index weight.
⭐
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

07/10/2026

What if the money you are working so hard to build is meant for more than someday?

More than retirement....
More than security....
More than a number on a statement....
 
has been keeping a secret.
A secret about a legacy he never intended
But a legacy he is proud of….
 
A legacy that he is sharing in Even More Than Money
 “Why Didn’t I Know He Could Die?”

can be found in the Money is.. Enduring section
 
This chapter is deeply personal.
In 2004, his family lost Larry’s brother-in-law, Keith Milano, to mental illness.
He has been open about Keith’s story for more than twenty years.

But writing this chapter gave him a chance to connect that story to a bigger question: What is money really for when life changes forever?

For his family, money became part of carrying on.
It helped turn pain into purpose.
It helped us keep Keith’s name
It helped us save lives

That is what enduring means
Not just getting through the hard thing.
 
But using what you have ….
Your Time
Your Voice
Your Money
Your Values  

That is why he wrote this chapter.
 
And that is why the Mitlin Team is so proud to have Larry’s chapter be part of Even More Than Money.

Grab your copy online or at most bookstores when it releases on July 21st.

We hope you enjoy Larry’s chapter on page 151.

07/10/2026

Your team doesn’t struggle because people don’t know the values.

Your team struggles when everyone defines those values differently.
One person sees integrity as honesty. Another sees it as loyalty.
Someone else sees it as protecting the team at all costs.
Now everyone is pulling in a different direction while believing they’re doing the right thing.
That’s how frustration grows.
That’s how trust breaks down.
 The strongest cultures aren’t built on words.
They’re built on shared beliefs that create consistent actions.

When beliefs align, decisions get easier.
The culture around you is telling a story.
What story are your beliefs creating?

Thank you to former NFL’er and Super Bowl Champion Ben Utecht for sharing his insights  🏈

07/10/2026

📈 Stocks Soar in the Second Quarter to Close Out a Solid First Half
⭐
Key Takeaways:
▪️The S&P 500 was up 14.9% in the second quarter, the best midterm-year second quarter ever (and the fifth-best Q2 of any year since 1950).
▪️Historically, when the second quarter was up more than 10%, the rest of the year has averaged an 11.7% gain, more than double the 4.9% you get in an average year.
▪️July is here, and it has been the best month of the year the last two decades—yet another reason the surprise summer rally may press higher.
▪️The economy created 57,000 jobs in June while the unemployment rate fell to a one-year low of 4.2%.
▪️Wage growth is lagging behind inflation right now, but consumers continue to spend
⭐
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

📈 Stocks Soar in the Second Quarter to Close Out a Solid First Half⭐Key Takeaways: ▪️The S&P 500 was up 14.9% in the se...
07/07/2026

📈 Stocks Soar in the Second Quarter to Close Out a Solid First Half
⭐
Key Takeaways:
▪️The S&P 500 was up 14.9% in the second quarter, the best midterm-year second quarter ever (and the fifth-best Q2 of any year since 1950).
▪️Historically, when the second quarter was up more than 10%, the rest of the year has averaged an 11.7% gain, more than double the 4.9% you get in an average year.
▪️July is here, and it has been the best month of the year the last two decades—yet another reason the surprise summer rally may press higher.
▪️The economy created 57,000 jobs in June while the unemployment rate fell to a one-year low of 4.2%.
▪️Wage growth is lagging behind inflation right now, but consumers continue to spend
⭐
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

Should You Buy a Beach House? Before you open your wallet, do your homework….Mortgage rates might be higher, local regul...
07/05/2026

Should You Buy a Beach House?

Before you open your wallet, do your homework….

Mortgage rates might be higher, local regulations could limit rental options and insurance and upkeep costs could climb.

As summer heats up it’s a great time to
enJOY this Kiplinger article from Larry Sprung
→ https://www.kiplinger.com/real-estate/buying-a-home/should-you-buy-a-beach-house

🏠some of this article is written from experience having owned and sold a vacation home

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