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: Will Federal Reserve Tactics Help the Ailing U.S. Economy?

This article looks at policy tools that the Federal Reserve has used in the past and may use going forward in its attempts to spur economic growth. It also explains the possible implications of a long-term, low-interest-rate environment for investors, savers, and retirees.

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

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.

How Interest Rates Can Influence Financial Decisions

The Federal Reserve has relied on its control of short-term interest rates to influence economic activity. Adjusting interest rates might seem to be an overly simple solution for steering the world's most powerful economy, but few mechanisms can influence behavior more effectively than interest rates.

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