Bulman Wealth Group

07/16/2026

Does a market dip make you lose sleep? When you’re in your 50s and 60s, you no longer have decades to "wait out" a market crash.

Market volatility is a natural part of investing, but it shouldn't threaten your retirement date. On Your Financial Compass, we discuss how to shift from "growth at all costs" to "protected growth" so you can enjoy your weekends without checking the ticker.

Find your financial confidence while catching up on our recent episodes: https://hubs.ly/Q04pPysg0



This program and related materials are for informational purposes only and should not be considered investment advice or a solicitation to buy or sell any security.

07/16/2026

Can a professional advisor actually help you beat the "do-it-yourself" approach?

According to a comprehensive study by Vanguard, one of the world's largest, most respected asset managers, the answer is a resounding yes. Despite being a primary destination for DIY investors, Vanguard's data revealed a significant gap between raw index performance and actual investor behavior.

The study found that investors who work with a professional financial advisor experience, on average, a 3% or greater net return compared to those going it alone.

🧠 The Three Pillars of Advisor Value:

🔸 Behavioral Coaching: Keeping emotions out of investing, providing objective perspective, and preventing costly market-timing mistakes during volatility.

🔸 Proactive Tax Strategies: Actively utilizing tax-loss harvesting and strategic Roth conversions, even in down markets, to maximize what you keep.

🔸 Comprehensive Financial Planning: Anticipating life milestones, looking around corners, and building a structure designed to steadily grow your wealth over time.

Investing isn't just about picking funds; it’s about managing behavior and minimizing taxes.

👉 Discover what a comprehensive plan can do for your future. Call us at 916-458-8199 or fill out our form for your Complimentary Financial Compass Review.

https://hubs.ly/Q04nrmzV0

07/15/2026

Meet Marcos Lemus.

Financial Advisor, husband, dad, Sacramento native, basketball fan, and now… first-time homeowner.

Marcos brings a thoughtful and personal approach to the work he does each day at Bulman Wealth Group. With a background in technology and a passion for problem-solving, he enjoys helping clients make sense of complex financial decisions and feel more confident about their future.

Outside of the office, Marcos is a husband to Sammie and a dad to Amelia. He loves cheering on the Sacramento Kings and San Francisco 49ers, spending time in South Lake Tahoe, and has a bucket-list goal of visiting every NBA arena.

This year also brought a very special milestone for Marcos and Sammie as they purchased their first home together.

We are grateful for the care, warmth, and dedication Marcos brings to our team and to the families we serve.

Please join us in saying hello and congratulating Marcos and his family in the comments below!

07/11/2026

07/10/2026

𝗧𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗹𝗮𝗻𝗱𝘀𝗰𝗮𝗽𝗲 𝗵𝗮𝘀 𝘀𝗵𝗶𝗳𝘁𝗲𝗱; 𝗮𝗿𝗲 𝘆𝗼𝘂𝗿 𝘁𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 "𝘀𝗮𝗳𝗲" 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀 𝘀𝘁𝗶𝗹𝗹 𝗱𝗼𝗶𝗻𝗴 𝘁𝗵𝗲𝗶𝗿 𝗷𝗼𝗯? 📉

Bonds have long been considered the steady anchor of a retirement portfolio, but today’s changing interest rate environment has left many investors questioning their true safety.

Join us for our upcoming, complimentary 𝙇𝙪𝙣𝙘𝙝 & 𝙇𝙚𝙖𝙧𝙣: 𝙏𝙝𝙚 𝘽𝙤𝙣𝙙 𝘾𝙤𝙣𝙪𝙣𝙙𝙧𝙪𝙢, where we’ll break down exactly what’s happening in the market right now, completely jargon-free.

𝗪𝗵𝗮𝘁 𝘄𝗲'𝗹𝗹 𝗰𝗼𝘃𝗲𝗿:
🔹 𝗕𝗼𝗻𝗱𝘀, 𝗘𝘅𝗽𝗹𝗮𝗶𝗻𝗲𝗱 𝗦𝗶𝗺𝗽𝗹𝘆 | Jargon-free basics for every investor
🔹 𝗔𝗿𝗲 𝗕𝗼𝗻𝗱𝘀 𝗦𝘁𝗶𝗹𝗹 "𝗦𝗮𝗳𝗲"? | Shifting interest rates & modern alternatives
🔹 𝗛𝗼𝘄 𝗠𝘂𝗰𝗵 𝘁𝗼 𝗢𝘄𝗻 & 𝗪𝗵𝘆 | Portfolio allocation for your stage of life

Whether you are completely new to investing or want absolute clarity on what your current bond-type investments are actually doing for you, this workshop is designed to give you clear, actionable answers.

🍽️ 𝗔 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗹𝘂𝗻𝗰𝗵 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗱.
⚠️ 𝗦𝗲𝗮𝘁𝗶𝗻𝗴 𝗶𝘀 𝘀𝘁𝗿𝗶𝗰𝘁𝗹𝘆 𝗹𝗶𝗺𝗶𝘁𝗲𝗱 𝘁𝗼 𝗲𝗻𝘀𝘂𝗿𝗲 𝗮𝗻 𝗶𝗻𝘁𝗲𝗿𝗮𝗰𝘁𝗶𝘃𝗲 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲.

𝗦𝗲𝗰𝘂𝗿𝗲 𝘆𝗼𝘂𝗿 𝘀𝗽𝗼𝘁 𝘁𝗼𝗱𝗮𝘆:
🗓️ Date: Wednesday, August 12, 2026
⏰ Time: 11:45 AM
📍 Location: Bulman Wealth Group’s Roseville Office

👉 Click the link to RSVP: https://hubs.ly/Q04n-smX0



This program is for informational purposes only and should not be considered investment advice or as a recommendation of any particular strategy or investment product.

07/09/2026

You saved the money, but how much do you actually own? Many retirees are surprised by the heavy tax bill that comes when they start withdrawing from their 401(k) or IRA.

If the IRS is a "silent partner" in your retirement account, it’s time to look at tax-efficient distribution strategies. Don't wait until you're already retired to find out you're overpaying the government. Tune in to Your Financial Compass for insights on keeping more of what you’ve earned.

Learn to navigate the tax maze by watching our previous episodes: https://hubs.ly/Q04nXdGQ0



This program and related materials are for informational purposes only and should not be considered investment advice or a solicitation to buy or sell any security.

07/08/2026

Turn on the news lately, and it’s hard to ignore the headlines. From shifting geopolitical tensions and global trade friction to sudden market swings, the noise can be overwhelming.

For high-net-worth investors, it naturally raises a critical question: Should you be concerned about your portfolio?

History proves that short-term market noise rarely dictates the long-term picture. However, an effective financial strategy isn't built just for the calm seas; it’s engineered precisely to navigate moments like this with resilience.

At Bulman Wealth Group, we help you cut through the static. If recent economic events have you questioning your current trajectory, it’s time to trade uncertainty for more clarity.

We’ve developed a complimentary guide designed to help sophisticated investors like you gain perspective, preserve your capital, and move forward with total confidence.

📥 Download Your Free Perspective Guide:

https://hubs.ly/Q04nXkXc0

07/07/2026

Is your retirement strategy truly ready for the long haul?

A common pitfall in retirement planning is treating it like a "set-it-and-forget-it" blueprint. In reality, a successful retirement strategy isn't just a portfolio; it’s a living, breathing plan that must evolve alongside you.

When mapping out your future, you aren't just forecasting next year. You need a strategy dynamic enough to answer the "what-ifs" 5, 10, and even 15+ years down the road.

📉 Dynamic Tools to Explore:
🔹 Growth-Focused Annuities: Can provide steady average returns of 4% to 7% with zero principal risk.
🔹 Guaranteed Income Streams: Certain options offer contractual growth guarantees (like 7% during the accumulation phase) followed by lifelong predictable payouts (e.g., 6.5%).

Your goals, lifestyle, and market conditions will shift. Your plan should be flexible enough to handle those transitions smoothly.

👉 Ready to stress-test your strategy? Contact us today to see how your current portfolio holds up against future uncertainty.

https://hubs.ly/Q04nqCrB0

07/06/2026

Is the risk in your portfolio truly aligned with your current life stage? 💼📈

As a high-net-worth investor, your financial landscape is constantly evolving. Your risk tolerance isn't a "set it and forget it" metric; it shifts alongside your milestone achievements, growing responsibilities, and long-term legacy goals.

Market shifts and life changes mean yesterday's strategy might not protect or grow tomorrow's wealth.

Bulman Wealth Group has developed a streamlined, intuitive Risk Quiz specifically designed to help you uncover where you actually stand today. In just a few minutes, you’ll discover whether your current portfolio genuinely aligns with your real risk comfort level and growth expectations.

Don't leave your wealth preservation to guesswork.

👉 Click the link to take our short quiz, gain clarity, and help ensure your portfolio is actively working for you: https://hubs.ly/Q04nrvPk0

07/03/2026

Happy 4th of July from all of us at Bulman Wealth Group! 🇺🇸

This year's Independence Day marks the official kickoff of America’s 250th-anniversary season, a remarkable reminder of the enduring strength, resilience, and vision that have shaped our history.

Please note that our office is closed today, Friday, July 3rd. We will resume regular business hours on Monday, July 6th.

Wishing you and your family a safe, happy, and relaxing holiday weekend! ✨