Harford Financial Group

06/17/2026

Inheriting an IRA can feel confusing — not because of the money, but because of the rules that come with it.

What many people don’t realize is that they have more control over the taxes than they think.

The key is timing.

When you take withdrawals matters just as much as how much you take.

Some people save more by taking larger withdrawals during low‑income years, like early retirement. Others benefit from spreading withdrawals out to avoid jumping into a higher tax bracket. And if the original owner was already taking RMDs, that adds another layer of planning most beneficiaries aren’t expecting.

There’s no one strategy that works for everyone. The right approach depends on your income, retirement timeline, and long‑term goals.

If you’ve inherited an IRA, or might in the future, understanding your options early can make a meaningful difference in how much you keep.

Read Bryce Harrison, CFP®’s full breakdown on our website.
Link in bio → Resources → Blog



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IMPORTANT DISCLOSURES:

This is intended for informational purposes only and should not be used as the primary basis for an investment decision. Consult an advisor for your personal situation.

Please consider the investment objectives, risks, fees, and expenses carefully before investing. For this and other important information, you may obtain prospectuses for mutual funds, any applicable annuity contract, and the underlying funds and/or disclosure documents from your advisor. Read this information carefully before investing.

Past performance does not guarantee future results.

Asset allocation and diversification strategies cannot assure profit or protect against loss in a generally declining market.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Harford Financial Group are not affiliated.

Harford Financial Group is located at 836 South Main Street | Suite 105, Bel Air, MD 21014

06/17/2026

Heads Up! Our office will be closing Thursday, June 18th at 12:30 PM for a team-building event.

We’ll reopen and resume regular business hours on Friday, June 19th at 8:00 AM.

06/16/2026

You might be too focused on leaving an inheritance. 😳👇

Most parents are so fixated on saving a massive lump sum for when they pass that they miss out on living life with their family today.

Think about it: The average age of inheritance is 60. But when do your kids actually need that leg up? In their 20s, 30s, and 40s when they’re buying houses and raising their own kids. 🏡

At Harford Financial Group, we’d rather see our clients build "rocking chair memories" and use their resources intentionally when it actually matters most.

💬 Parents: Would you rather pass down money now or later? Let us know in the comments.



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IMPORTANT DISCLOSURES:

This is intended for informational purposes only and should not be used as the primary basis for an investment decision. Consult an advisor for your personal situation.

Please consider the investment objectives, risks, fees, and expenses carefully before investing. For this and other important information, you may obtain prospectuses for mutual funds, any applicable annuity contract, and the underlying funds and/or disclosure documents from your advisor. Read this information carefully before investing.

Past performance does not guarantee future results.

Asset allocation and diversification strategies cannot assure profit or protect against loss in a generally declining market.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Harford Financial Group are not affiliated.

Harford Financial Group is located at 836 South Main Street | Suite 105, Bel Air, MD 21014

06/15/2026

🎉 Celebrating 28 Years at HFG! 🎉

Last Monday, Melissa Mullan, celebrated an incredible milestone—28 years with the company! 🥳🍾

Melissa is not only one of the kindest people you'll ever meet, but she's also an exceptionally talented and accomplished financial professional. She has earned recognition as a Circle of Excellence Advisor, placing her among the top 5% of Cambridge Investment Research, Inc.'s more than 4,000 advisors.

This achievement is especially noteworthy in an industry that has traditionally been male-dominated, making Melissa's success a testament to her expertise, leadership, and dedication.

We are incredibly fortunate to have Melissa serving as both our Lead Advisor and an Officer of the company. Her commitment to our clients, our team, and our mission has helped shape HFG into what it is today.

Please join us in congratulating Melissa on 28 outstanding years of service and success. Here's to many more! 👏

06/12/2026

"Annuities are terrible" ❌ Is this actually true, or just bad retirement advice?

We sat down with lead advisor Melissa Mullan to talk about why one of the most hated financial products might actually be the missing piece in your retirement plan.

The truth? Annuities aren’t for everyone. They’ve been oversold in the past, giving them a bad reputation. But if you don't have a public sector pension, an annuity can be a powerful way to build your own guaranteed paycheck in retirement.

Have questions about how to structure your retirement income? Drop them in the comments! 👇



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IMPORTANT DISCLOSURES:

This is intended for informational purposes only and should not be used as the primary basis for an investment decision. Consult an advisor for your personal situation.

Please consider the investment objectives, risks, fees, and expenses carefully before investing. For this and other important information, you may obtain prospectuses for mutual funds, any applicable annuity contract, and the underlying funds and/or disclosure documents from your advisor. Read this information carefully before investing.

Past performance does not guarantee future results.

Asset allocation and diversification strategies cannot assure profit or protect against loss in a generally declining market.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Harford Financial Group are not affiliated.

Harford Financial Group is located at 836 South Main Street | Suite 105, Bel Air, MD 21014

06/08/2026

Please join us in giving a warm welcome to Jacob, the newest member of our HFG marketing team. 🌟

A graduate of the Miami Herbert Business School, Jacob earned his Bachelor of Business Administration with a dual major in Marketing and Art.🎓

He brings valuable hands-on experience to the role, having spent the last four years interning with the marketing divisions at Cambridge Investment Research, Inc., C2P, and Technology 4 Causes. Throughout his internships, Jacob mastered a wide range of digital marketing skills, including content creation, Meta advertising, email strategy, website optimization, graphic design, and videography. 💻🎥

We’re thrilled to have Jacob join the HFG family and can’t wait to see his creativity and talent in action.

Welcome aboard, Jacob!

06/03/2026

We were grateful for the opportunity to support the meaningful work of The Evan M. Snyder Foundation. It's mission to uplift young adults who embody Evan’s spirit of hard work, ambition, and school pride is truly inspiring.

06/03/2026

Cyber attacks are a growing online threat, but the good news is that you can insure your business!

90% of small businesses in the U.S. don't protect their data from cyber attacks. Is your business at risk?

06/02/2026

When a federal employee or retiree passes away, surviving spouses are often left navigating a complex system of benefits, paperwork, and important financial decisions during an already difficult time.

In this week's blog, Bryan Angelilli outlines the key steps to take to help families understand how to secure survivor benefits, maintain health insurance coverage, and avoid common delays in the process.

Read the full blog here: https://www.harfordfinancialgroup.com/blog/what-to-do-when-a-federal-employee-or-retiree-dies-a-step-by-step-guide-fo

05/28/2026

A little humble brag for one of our long-time clients, and sister-in-law of our advisor, Ed Simon, who continues to do amazing things for our community.

We are so excited to see her nominated to serve on the Harford County Public Schools Board of Education. Congratulations on this well-deserved recognition and opportunity to make an even greater impact! Read a little bit more about BangTam Miller below.

Mrs. Miller is a small business owner and the founder of the 755 Alliance nonprofit organization. In 2015, she received the Local Management Board’s Champion of Children Award, and was recently named Harford County’s Most Beautiful People Ripple Effect Award, the Baltimore Sun’s 25 Women to Watch, and a finalist for the Athena Organizational Leadership Award for her selfless volunteer work.

📸provided from HCPS website.