David J. Stull, CLU, ChFC

"Helping People Make Smart Choices About Their Money"

Welcome to The Stull Financial Group, a full-service company specializing in retirement planning and estate conservation. 

As personal financial professionals, we can:              

  •  Help you clarify and define your goals
  •  Recommend solutions designed to fit your needs
  •  Deliver timely information
  •  Explain how changing financial conditions affect you
  •  Monitor your financial progress
  •  Make Investment* planning easier 

 

Feel free to browse our site.  You will find a variety of articles, calculators, and research reports that we hope will answer your questions or stimulate your interest.

If you have any questions, please call us at (209) 957-1673 or email us at dstull@htk.com.  We will be happy to help.  We look forward to talking with you.

 David J. Stull, CLU, ChFC 
Calculators

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

More Calculators →

Newsletters

HOT TOPIC: Looking Ahead in 2012

2011 was a year of slow economic recovery, market volatility, and political conflict over the budget, the national debt, and taxes. All of these challenges continue to face us as we begin the new year. This article presents an overview of some of the issues that bear watching in 2012.

HOT TOPIC: American Manufacturing: Rebound or Renaissance?

During the last decade, U.S. manufacturing lost millions of jobs to foreign competition. The sector appears to be coming back strong, adding almost half a million jobs since 2010 as productivity rises. This article examines the conditions that originally caused the exodus of U.S. industrial production and those that may bode well for its future.

When Key Players Can't Work

If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.

Rethinking the Role of Household Debt

Many people aspire to pay off their home mortgages before retirement, but the housing situation and a weak economy have taken a toll on the finances of many older Americans. There are some compelling reasons why pre-retirees might want to consider maximizing their retirement plan contributions and avoid carrying large amounts of debt into retirement.

More Newsletters →