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	<title>Mullooly Asset Management</title>
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	<link>https://mullooly.net</link>
	<description>Fiduciary Fee-Only Financial Planner  &#124; Investment Advisor in Wall, NJ</description>
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		<title>Your Beneficiary Form Decides Who Gets Your NJ Pension</title>
		<link>https://mullooly.net/your-beneficiary-form-decides-your-nj-pension/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 05 Jun 2026 18:11:06 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
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					<description><![CDATA[Your Beneficiary Form Decides Who Gets Your NJ Pension In many cases, beneficiary designation forms determine where assets like your New Jersey pension benefits, your retirement accounts or life insurance go.  This is regardless of what is written in your will. Here we discuss why beneficiary reviews are an important part of estate planning, common [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Your Beneficiary Form Decides Who Gets Your NJ Pension | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[In many cases, beneficiary designation forms determine where assets like your New Jersey pension benefits, your retirement accounts or life insurance go.  This is regardless of what is written in your will.]]></media:description>
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		<title>Part 3 &#8211; Stay NJ part III</title>
		<link>https://mullooly.net/part-3-stay-nj-part-iii/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 29 May 2026 18:52:04 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=86982</guid>

					<description><![CDATA[Stay NJ part III Stay NJ part III Changes in 2026 Stay NJ part III: This is our third video on this property tax program.  Hence the title, Stay NJ part III.  In this we cover Roth Conversions, Income Cliff, and Retirement Planning Risks. Should New Jersey residents age 65+ make near-term planning changes, like [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Part 3 - Stay NJ part III | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Stay NJ part III proposed changes may be coming to the Stay NJ program for fiscal 2027, and could be solidified in (as soon as) a few weeks.]]></media:description>
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		<title>Retirement Planning For Couples: The 74% You Can&#8217;t Ignore</title>
		<link>https://mullooly.net/retirement-planning-for-couples-the-74/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Wed, 13 May 2026 10:00:23 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=72524</guid>

					<description><![CDATA[Retirement Planning For Couples: The 74% You Can&#8217;t Ignore When we&#8217;re retirement planning for couples, there&#8217;s something worth thinking about. When statisticians say there&#8217;s a 74% probability of something happening, they don&#8217;t call that a risk to manage. They call that an expected outcome. And according to J.P. Morgan&#8217;s 2026 Guide to Retirement, a 65-year-old [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Retirement Planning For Couples: The 74% You Can&#039;t Ignore | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[When we're retirement planning for couples, there's something worth thinking about.]]></media:description>
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		<title>3 Ways Retirement Could Affect Your Ability to Borrow Money</title>
		<link>https://mullooly.net/retirement-could-affect-your-ability-to-borrow-money/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 08 May 2026 19:47:36 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=72520</guid>

					<description><![CDATA[3 Ways Retirement Could Affect Your Ability to Borrow Money Retirement can change more than just your income stream. Your ability to borrow money could be impacted.  Certain financial tools and lending options may become less accessible once employment income stops, even if your overall assets are unchanged. Tom covers three areas where this can [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">3 Ways Retirement Could Affect Your Ability to Borrow Money | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Retirement can change more than just your income stream. Your ability to borrow money could be impacted once the pay check stops.]]></media:description>
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		<item>
		<title>Roth vs. Pre-Tax 401(k): What&#8217;s Better?</title>
		<link>https://mullooly.net/roth-vs-pre-tax-401k-whats-better/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Tue, 28 Apr 2026 16:22:05 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=66653</guid>

					<description><![CDATA[Roth Vs. Pre-Tax 401(k) If you’ve ever wondered whether to choose Roth vs. pre-tax 401(k), you’ve probably seen a lots of different opinions!  And not a lot of clarity. The right answer depends on how your taxes actually work, not what someone else is doing. Roth vs. pre-tax 401(k) is one of the most common [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/NUW-eON8V74" />
			<media:title type="plain">Roth vs. Pre-Tax 401(k): What&#039;s Better? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[If you’ve ever wondered whether to choose Roth vs. pre-tax 401(k), you’ve probably seen a lots of different opinions!  And not a lot of clarity.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/Roth-vs.-pre-tax-401k.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<title>3 Questions For Your Stress Tested Retirement Plan</title>
		<link>https://mullooly.net/3-questions-for-your-stress-tested-retirement-plan/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 17 Apr 2026 20:41:35 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58377</guid>

					<description><![CDATA[3 Questions For Your Stress Tested Retirement Plan A stress tested retirement plan should do more than project average returns.  It ought to evaluate how your financial plan during retirement may perform.  We don&#8217;t suggest relying on (or expecting) steady returns!   A stress tested retirement plan has to test market volatility, rising (changing) expenses, and [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/gC7nFqoHhZ4" />
			<media:title type="plain">3 Questions For Your Stress Tested Retirement Plan | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[A stress tested retirement plan should do more than project average returns.  It ought to evaluate how your financial plan during retirement may perform.  We don't suggest relying on (or expecting) steady returns!   A stress tested retirement plan has to test market volatility, rising (changing) expenses, and financial surprises that can disrupt your plans.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/Stress-Tested-Retirement-Plan.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>New Jersey Estate and NJ Inheritance Taxes</title>
		<link>https://mullooly.net/new-jersey-estate-and-nj-inheritance-taxes/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 20:12:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58368</guid>

					<description><![CDATA[New Jersey Estate and NJ Inheritance Taxes New Jersey Estate Tax vs. NJ Inheritance Taxes: New Jersey Rules (and How DE, PA &#38; NY Compare) Estate planning often gets derailed by a simple misunderstanding: the difference between New Jersey estate taxes and NJ inheritance taxes. We clarify how each tax works, how they’re applied, and [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">New Jersey Estate and NJ Inheritance Taxes | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[So, no estate taxes here in New Jersey, but NJ inheritance taxes remains.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/New-Jersey-Estate-and-NJ-Inheritance-Taxes.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>5 New Jersey Retirement Tax Facts To Know</title>
		<link>https://mullooly.net/5-new-jersey-retirement-tax-facts-to-know/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 21:00:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58359</guid>

					<description><![CDATA[5 New Jersey Retirement Tax Facts To Know 5 New Jersey Retirement Tax Facts To Know (and how NJ compares to PA, NY &#38; DE) Understanding state income taxes is a critical part of retirement planning—especially in a high-tax environment like New Jersey. In this video, we break down New Jersey Retirement tax facts to [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/IwoEmczuwYc" />
			<media:title type="plain">5 New Jersey Retirement Tax Facts To Know | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[5 New Jersey Retirement Tax Facts To Know (and how NJ compares to PA, NY &amp; DE)]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/04/5-New-Jersey-Retirement-Tax-Facts-To-Know-1.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>Could You Owe Taxes When Selling Your Primary Residence?</title>
		<link>https://mullooly.net/owe-taxes-when-selling-your-primary-residence/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 27 Mar 2026 18:45:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58356</guid>

					<description><![CDATA[Could You Owe Taxes When Selling Your Primary Residence? The Primary Residence Home Sale Capital Gains Exclusion Hasn’t Changed Since 1997. Here’s Why That Matters&#8230;&#8230; We explain how the Section 121 home-sale capital gains exclusion, set in 1997 at $250,000 for single filers and $500,000 for married couples filing jointly, has not been indexed for [&#8230;]]]></description>
		
		
		
		<media:content url="https://www.youtube.com/embed/t-EoTA9PNKk" medium="video">
			<media:player url="https://www.youtube.com/embed/t-EoTA9PNKk" />
			<media:title type="plain">Could You Owe Taxes When Selling Your Primary Residence? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[It allows a homeowner to exclude up to $250,000 of gains on the sale of their primary residence - if they're a single filer.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/03/Could-You-Owe-Taxes-When-Selling-Your-Primary-Residence.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>Morningstar Update: The 4% Rule May Need Tweaking?</title>
		<link>https://mullooly.net/morningstar-update-the-4-rule-may-need-tweaking/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 20 Mar 2026 16:14:04 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58349</guid>

					<description><![CDATA[Morningstar Update: The 4% Rule May Need Tweaking? Referencing annual research from Morningstar, Casey discusses how much retirees can sustainably withdraw from their investments each year. Morningstar cites a &#8220;safe starting withdrawal rate&#8221; as 3.9% for 2026. This would be for a 30-year, set-and-forget retirement. Case explains the recommended rate changes with market and inflation [&#8230;]]]></description>
		
		
		
		<media:content url="https://www.youtube.com/embed/ivL6c3sCBa4" medium="video">
			<media:player url="https://www.youtube.com/embed/ivL6c3sCBa4" />
			<media:title type="plain">Morningstar Update: The 4% Rule May Need Tweaking? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Referencing annual research from Morningstar, Casey discusses how much retirees can sustainably withdraw from their investments each year. Morningstar cites a "safe starting withdrawal rate" as 3.9% for 2026.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/03/Morningstar-Update-The-4-Rule-May-Need-Tweaking.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>3 Changes to the Stay NJ Program</title>
		<link>https://mullooly.net/3-changes-to-the-stay-nj-program/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 13 Mar 2026 19:33:29 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58344</guid>

					<description><![CDATA[The Stay NJ Program &#8211; part II &#8211; video 3 Changes to the Stay NJ Program The just proposed Fiscal Year 2027 budget presented by Governor Sherrill, contains several significant adjustments to the state’s property tax relief landscape, including changes to the ANCHOR Property Tax Relief Program and the Stay NJ program, which is the [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/Uxnc5cPBzrM" />
			<media:title type="plain">3 Changes to the Stay NJ Program | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[The Stay NJ Program - part II - video]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/03/The-Stay-NJ-Program-part-II.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>Surprising Trends Beneath the S&#038;P 500 So Far in 2026</title>
		<link>https://mullooly.net/surprising-trends-beneath-the-sp-500-so-far-in-2026/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 06 Mar 2026 17:01:59 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58338</guid>

					<description><![CDATA[Surprising Trends Beneath the S&#38;P 500 So Far in 2026 While the S&#38;P 500 index appeared relatively flat through the end of February 2026, we&#8217;ve seen some noticeable stock market volatility. In this video, Casey looks beneath the surface of the market to examine what’s actually happening within the S&#38;P 500 index. Data from Bespoke [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/qxJTaVFQfr8" />
			<media:title type="plain">Surprising Trends Beneath the S&amp;P 500 So Far in 2026 | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[While the S&amp;P 500 index appeared relatively flat through the end of February 2026, we've seen some noticeable stock market volatility.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/03/The-S-P-500-in-2026.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>Social Security Earnings Test: 3 Sources Affecting Benefits</title>
		<link>https://mullooly.net/social-security-earnings-test-3-sources-affecting-benefits/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 27 Feb 2026 18:00:40 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58331</guid>

					<description><![CDATA[Social Security Earnings Test: 3 Sources Affecting Benefits If you’re considering claiming Social Security early, understanding the Social Security earnings test is critical. In this video, we discuss the social security earnings test, who it applies to, and what income actually counts toward the limit. The Social Security Administration applies the earnings test to earned [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/OGJB5jlQ-Js" />
			<media:title type="plain">Social Security Earnings Test: 3 Sources Affecting Benefits | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[If you’re considering claiming Social Security early, understanding the Social Security earnings test is critical.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/02/Social-Security-Earnings-Test.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>How Pension and Social Security Decisions Shape Retirement</title>
		<link>https://mullooly.net/how-pension-and-social-security-decisions-shape-retirement/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 20 Feb 2026 17:26:24 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58325</guid>

					<description><![CDATA[How Pension and Social Security Decisions Shape Retirement Guaranteed income sources can provide the foundation of any sound retirement income plan. Pension and Social Security decisions can create an income floor. But both (pension and social security decisions) are “one-way door” decisions that require careful analysis before you file or elect benefits. We examine key [&#8230;]]]></description>
		
		
		
		<media:content url="https://www.youtube.com/embed/jC9rdu8W7lo" medium="video">
			<media:player url="https://www.youtube.com/embed/jC9rdu8W7lo" />
			<media:title type="plain">How Pension and Social Security Decisions Shape Retirement | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Both pension and social security decisions are what we like to refer to as a "one-way door."]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/02/How-Pension-and-Social-Security-Decisions-Shape-Retirement.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>Should I Claim Social Security Early?</title>
		<link>https://mullooly.net/should-i-claim-social-security-early/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 13 Feb 2026 21:46:43 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58317</guid>

					<description><![CDATA[Should I Claim Social Security Early? When it comes to filing and when to claim Social Security, timing matters. In this video, we break down the facts around full retirement age, early Social Security benefits, and the long-term impact of claiming at 62 versus waiting until 67. For those born in 1960 or later, full [&#8230;]]]></description>
		
		
		
		<media:content url="https://www.youtube.com/embed/3muqLT3KHPw" medium="video">
			<media:player url="https://www.youtube.com/embed/3muqLT3KHPw" />
			<media:title type="plain">Should I Claim Social Security Early? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[We're often asked, "Should I Claim Social Security early?" We break down the full retirement age, claiming Social Security early &amp; the earnings test.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/02/Claim-Social-Security-Early.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>Should Executors Pay Estate Bills Right Away &#8211; or Wait?</title>
		<link>https://mullooly.net/should-executors-pay-estate-bills-right-away-or-wait/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 06 Feb 2026 19:11:35 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58296</guid>

					<description><![CDATA[Should Executors Pay Estate Bills Right Away &#8211; or Wait? We highlight a critical, but often misunderstood aspect of estate administration: The risks of executors or administrators rushing to pay bills or distribute assets after a loved one passes away. Drawing on insights from an estate attorney, Tom outlines common issues such as creditor prioritization, [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Should Executors Pay Estate Bills Right Away - or Wait? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Executors: an often misunderstood aspect of estate administration: the risks of rushing to pay bills; distribute assets after a loved one passes away.]]></media:description>
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		<title>3 Ways IRMAA Can Impact Your Medicare Costs</title>
		<link>https://mullooly.net/3-ways-irmaa-can-impact-your-medicare-costs/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 30 Jan 2026 19:36:32 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58292</guid>

					<description><![CDATA[3 Ways IRMAA Can Impact Your Medicare Costs Medicare IRMAA surcharges can materially change retirement cash flow — often unintentionally. This video walks through how modified adjusted gross income (MAGI) drives Medicare Part B and Part D premiums, why more retirees are being pulled into IRMAA brackets, and how ordinary planning decisions (like investment sales, [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">3 Ways IRMAA Can Impact Your Medicare Costs | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Medicare IRMAA surcharges can materially change retirement cash flow. Tom walks through how modified adjusted gross income impacts IRMAA.]]></media:description>
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		<title>5 Things About The Stay NJ Program</title>
		<link>https://mullooly.net/5-things-about-the-stay-nj-program/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 16 Jan 2026 19:13:02 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=58284</guid>

					<description><![CDATA[5 Things About The Stay NJ Program New Jersey has introduced the Stay NJ program, a new property tax credit aimed at encouraging seniors to remain in the state during retirement. Effective in 2026, Stay NJ works alongside the existing ANCHOR and Senior Freeze programs to provide coordinated property tax relief for eligible residents age [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">5 Things About The Stay NJ Program | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[New Jersey has introduced the Stay NJ program, a new property tax credit aimed at encouraging seniors to remain in the state during retirement. Effective in 2026, Stay NJ works alongside the existing ANCHOR and Senior Freeze programs to provide coordinated property tax relief for eligible residents age 65 and over.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/01/The-Stay-NJ-Program.png" />
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