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Mueller Asset Strategies

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10/30/2026

Happy Halloween.

Here are the five things I see in physician retirement plans that actually scare me.

A 401(k) with no tax-free component. Every dollar taxed on the way out at ordinary income rates.

Required minimum distributions at 73 that nobody planned for, pushing them into a higher bracket whether they need the money or not.

A disability gap with nothing behind it. Six months off and the whole plan unravels.

$2,000,000 that is not really $2,000,000. The IRS is the one in the costume.

Retiring at 65 with no certain income stream. Just a market-dependent portfolio and a prayer.

None of these are inevitable. All of them are fixable.

The window is open. Most physicians just don’t know it.

If this resonates, like or comment below. I read every one.

10/29/2026

A hospitalist at a Cleveland Clinic called me in March.

$290,000 salary. Two kids in college. $800,000 saved.

"I feel like I should be further along..."

I hear that once a week.

We looked at his plan together.

He had never done a Roth conversion. His 401(k) was his entire retirement strategy.

He did not know about the tax window between 55 and 70. He had seven years left in it.

We rebuilt from there.

By December, he had moved $180,000 into accounts that grow tax-free.

He is not further behind than he thought. He was just missing the sequencing.

Timing, combining, and sequencing make all the difference.

Take the free 2-minute Financial Vitality Score assessment. Know exactly where you stand: Link in my bio.

10/28/2026

What happens to your retirement plan if you cannot work for six months?

Most physicians do not know.

They assume disability insurance covers it. Sometimes it does.

It rarely covers your retirement contributions. Your tax strategy. Your wealth-building momentum.

A six-month gap at age 55 can cost more than most people realize.

Not just in income. In compounding. In the window to do Roth conversions before rates change.

I am not trying to scare you.

I am telling you what preflight looks like.

You check the systems you hope you never need. Before you need them.

Take the free 2-minute Financial Vitality Score assessment. Know exactly where you stand: Link in my bio

10/27/2026

Burnout for medical professionals is trending again.

Every article says the same thing. Rest. Set boundaries. Say no.

Here is what no article says.

Burnout in a physician who cannot afford to slow down is a financial problem disguised as an emotional one.

You are not burned out because you do not have enough weekends.

You are burned out because the math does not work yet.

When the income is replaced, the pressure changes.

I have seen physicians go from running on fumes to taking three-week vacations.

Not because they changed their mindset.

Because they changed their plan.

Repost this if it could help a colleague, friend, or family member in medicine. Follow Alison Mueller for more on building a retirement plan that actually holds.

10/26/2026

I did not start in finance. I started on the tarmac.

USAF Captain. F-16s. 380 personnel under my command. $300 million in aircraft.

When people ask how I find money other advisors miss, I tell them: I was trained to find problems before they become catastrophes.

We called it preflight.

You check every system before wheels up. You do not troubleshoot at 30,000 feet.

That is what I do with retirement plans.

Most physicians come to me at 30,000 feet. Exhausted. Profitable. Uncertain.

And we do a preflight.

Every time, I find something.

No mission succeeds without a flight plan. Neither does retirement.

Repost this if it could help a colleague, friend, or family member in medicine. Follow Alison Mueller for more on building a retirement plan that actually holds.

10/23/2026

Before: $1.4M saved and waking up at 3am wondering if it is enough?

After: Same $1.4M. Different plan. Sleeping through the night every night.

Nothing changed in the market.

Everything changed in the structure.

This is what people miss about financial planning.

It is not about accumulating more.

It is about knowing that what you have is set up to work.

The number was never the goal. The certainty was.

If this resonates, like or comment below. I read every one.

10/22/2026

"What would you do if you could not operate tomorrow?"

That is the question I asked an orthopedic surgeon last year.

"I would figure it out. I always do..."

"What does “figure it out” look like in numbers?"

[silence]

"You have $1.6M. At 4%, that is $64,000 a year. You earn $420,000 now."

"That is not the same life."

"No. It is not." He says frowning….

We spent the next hour rebuilding his income strategy from the ground up.

He still operates. By choice now. Not by requirement.

That is the difference.

Take the free 2-minute Financial Vitality Score assessment. Know exactly where you stand: Link in my bio.

10/21/2026

The average physician retires at 65.

The average life expectancy for a physician is 83.

That is 18 years of retirement income you need to create.

If you draw 4% from a $2M portfolio, you have $80,000 per year.

If you are used to $350,000 per year, that is a problem.

Most retirement plans assume markets cooperate, taxes stay low, and nothing unexpected happens.

None of those assumptions are safe.

The math is simple. The solution is not.

Creating income you cannot outlive is an engineering problem. I am an engineer.

Take the free 2-minute Financial Vitality Score assessment. Know exactly where you stand: Link in my bio.

10/20/2026

If you practice medicine in New York City, you are in the most expensive financial situation in the country.

Federal tax. State tax. City tax.

Now add market risk. Add inflation. Add the 401(k)/4013(B) you have been maxing for 20 years that will be fully taxed on the way out.

I am not saying New York is wrong. I chose Buffalo. I understand New York.

I am saying the standard retirement playbook was not written for you.

It was written for someone earning $85,000 in a state with no income tax.

You need a different plan. Timing, combining, and sequencing matter more in New York than anywhere else.

If this resonates, like or comment below. I read every one.

10/19/2026

Age 10: 15 cents an hour.

My parents paid me for my brother to babysit me. So I would behave.

4am detasseling corn in Nebraska. Taxes took half the check. I thought that was normal.

$3.10 an hour checking groceries through college.

First real job: $35,000. My peers got $17,000.

Because I had a security clearance and military experience.

Corporate peak: $150,000 to $250,000 plus stock options.

I did not get here because someone handed it to me.

And I have never worked with a physician who did either.

You earned this. The question is whether your plan is built to protect it.

Repost this if it could help a colleague, friend, or family member in medicine. Follow Alison Mueller for more on building a retirement plan that actually holds.

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Virtual
Buffalo, NY
14222

Opening Hours

Monday	10am - 6pm
Tuesday	10am - 6pm
Wednesday	10am - 6pm
Thursday	10am - 6pm
Friday	10am - 4pm

Website

http://muellerassetstrategies.com/

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