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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>The Why Behind Data Gathering</title>
		<link>https://mullooly.net/the-why-behind-data-gathering/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 14 Aug 2026 20:13:18 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
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					<description><![CDATA[The Why Behind Data Gathering Data Gathering is an essential part of financial planning. We believe data gathering is the starting point for financial planning. &#8220;Winging it&#8221; is not productive. A firm grasp of your numbers is essential, prior to retirement.  The Why Behind Data Gathering &#8211; Links Catch all our Mullooly Asset videos here [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">The Why Behind Data Gathering | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Data Gathering is an essential part of financial planning. We believe data gathering is the starting point for financial planning.]]></media:description>
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		<title>Should My Financial Advisor Talk to My CPA?</title>
		<link>https://mullooly.net/should-my-financial-advisor-talk-to-my-cpa/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Thu, 06 Aug 2026 21:29:26 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91902</guid>

					<description><![CDATA[Should My Financial Advisor Talk to My CPA? Should my financial advisor talk to my CPA? For the best outcomes, we feel the answer is yes. When your accountant, advisor, and attorney don&#8217;t talk to each other, problems can develop. And you&#8217;re usually the one who pays, when problems develop. It&#8217;s a question clients ask [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Should My Financial Advisor Talk to My CPA? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Should my financial advisor talk to my CPA?  When the accountant, advisor (and attorney) don't talk, problems could develop. ]]></media:description>
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		<title>What Happens When Your Advisor Retires?</title>
		<link>https://mullooly.net/what-happens-when-your-advisor-retires/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 31 Jul 2026 19:21:22 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91892</guid>

					<description><![CDATA[What Happens When Your Advisor Retires? What happens when your advisor retires? It&#8217;s a question almost nobody asks (usually) until it&#8217;s happening. About a third of all U.S. financial advisors plan to retire within the next decade. More than a quarter aren&#8217;t even sure of their own succession plan. So what happens when your advisor [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">What Happens When Your Advisor Retires? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[The answer to what happens when your advisor retires - at many firms, you don't get a say.]]></media:description>
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		<item>
		<title>Dow Jones 1976 vs. Today: What Survived?</title>
		<link>https://mullooly.net/dow-jones-1976/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 24 Jul 2026 17:11:58 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91881</guid>

					<description><![CDATA[The Dow Jones 1976 vs. Today: What Survived? The Dow Jones 1976 &#8211; on July 4, 1976, the 30 companies making up the Dow Jones Industrial Average were considered the biggest, most permanent-seeming names across the fruited plain. Fifty years later, twenty-nine of them have been dropped from the index. Some are gone entirely. Meanwhile, [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">Dow Jones 1976 vs. Today: What Survived? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[The Dow Jones 1976 - on July 4, 1976, the 30 companies making up the Dow Jones Industrial Average were considered the biggest names.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/07/Dow-Jones-1976-vs-Today-400-x-250-px.png" />
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		<item>
		<title>A Roth 401k Tax Surprise?</title>
		<link>https://mullooly.net/roth-401k-tax-surprise/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Thu, 16 Jul 2026 13:17:29 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91874</guid>

					<description><![CDATA[A Roth 401k Tax Surprise? What we mean when we say &#8220;Roth 401k tax surprise,&#8221; is that contributing to a Roth 401(k) at work COULD create unexpected taxable income, through the employer match. While employee making Roth 401k contributions knows their contributions are going into the plan as &#8220;post tax,&#8221; or after-tax, the employer match [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">A Roth 401k Tax Surprise? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Will you find a Roth 401k tax surprise this year? Contributing to a Roth 401(k) MIGHT create unexpected taxable income, via the employer match.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/07/Roth-401k-Tax-Surprise.png" />
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		<item>
		<title>What Is A Sinking Fund?</title>
		<link>https://mullooly.net/what-is-a-sinking-fund/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 10 Jul 2026 17:16:14 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91862</guid>

					<description><![CDATA[What Is A Sinking Fund? The sinking fund: the simple way to plan for expenses you know are coming. In this video, we cover what is a sinking fund.  And how is it different from an emergency fund? We give examples of sinking funds such as budgeting for office items, car tires, or brakes. Smoothing [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/Hrs6U4zdNYg" />
			<media:title type="plain">What Is A Sinking Fund? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[We give examples of sinking funds such as budgeting for office items, car tires, or brakes. Smoothing quarterly estimated tax payments by dividing the annual amount by 12 and saving monthly to avoid scrambling.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/07/Sinking-Fund.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<item>
		<title>It&#8217;s Not Luck. It&#8217;s Planning.</title>
		<link>https://mullooly.net/its-not-luck-its-planning/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Thu, 02 Jul 2026 18:51:03 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91847</guid>

					<description><![CDATA[It&#8217;s Not Luck. It&#8217;s Planning. &#8220;It&#8217;s not luck, it&#8217;s planning&#8221; has been the line this firm has run on for 24 years. Tom came up with it back in 2002 — and he&#8217;s spent every year since watching it prove true. From the outside, a lot of financial outcomes look like luck. &#8211; Someone retires [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">It&#039;s Not Luck. It&#039;s Planning. | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA["It's not luck. It's planning." has been the line this firm has run on since 2002. What may appear as luck is often the result of planning ahead.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/07/its-not-luck-its-planning-2.png" />
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		<item>
		<title>DIY: Should You Be Managing Your Own Money in Retirement?</title>
		<link>https://mullooly.net/should-you-be-managing-your-own-money-in-retirement/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Tue, 23 Jun 2026 17:00:16 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91793</guid>

					<description><![CDATA[Should You Be Managing Your Own Money in Retirement? DIY: managing your own money in retirement works until it doesn&#8217;t. Here&#8217;s why that&#8217;s usually worth a second look. Takeaways: &#8211;   As retirement nears, the money decisions pile up fast — and many are ones you&#8217;ve never had to make before. &#8211;   Withdrawal order, taxes, Social [&#8230;]]]></description>
		
		
		
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			<media:title type="plain">DIY: Should You Be Managing Your Own Money in Retirement? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[DIY: managing your own money in retirement works until it doesn't. Here's why that's usually worth a second look.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/06/managing-your-own-money-in-retirement.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<title>Does New Jersey Tax a Qualified Charitable Distribution?</title>
		<link>https://mullooly.net/new-jersey-tax-qualified-charitable-distribution/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Wed, 17 Jun 2026 19:22:52 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91683</guid>

					<description><![CDATA[Does New Jersey Tax a Qualified Charitable Distribution? A qualified charitable distribution can provide valuable federal tax benefits. But the state tax treatment of a qualified charitable distribution is not always the same. In this (Part II), we explain why a qualified charitable distribution generally does not reduce taxable income for New Jersey residents. We [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/bYmSMzIwT5Q" />
			<media:title type="plain">Does New Jersey Tax a Qualified Charitable Distribution? | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[A qualified charitable distribution can provide valuable federal tax benefits. But the state tax treatment of a qualified charitable distribution is not always the same.]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/06/New-Jersey-tax-Qualified-Charitable-Distribution-part-II.png" />
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		<title>5 Facts About QCD Qualified Charitable Distributions!</title>
		<link>https://mullooly.net/5-facts-about-qcd-qualified-charitable-distributions/</link>
		
		<dc:creator><![CDATA[Thomas Mullooly]]></dc:creator>
		<pubDate>Fri, 12 Jun 2026 19:49:40 +0000</pubDate>
				<category><![CDATA[Videos]]></category>
		<guid isPermaLink="false">https://mullooly.net/?p=91671</guid>

					<description><![CDATA[5 Facts About QCD Qualified Charitable Distributions Qualified Charitable Distributions (QCD): A Tax-Smart Way to Give From Your IRA After 70½ If you&#8217;re age 70½ or older and regularly support charitable organizations, a Qualified Charitable Distribution (QCD) may be worth understanding. A QCD allows eligible IRA owners to transfer funds directly to a qualified charity, [&#8230;]]]></description>
		
		
		
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			<media:player url="https://www.youtube.com/embed/yAqBKqEITQE" />
			<media:title type="plain">5 Facts About QCD Qualified Charitable Distributions! | Mullooly Asset Management</media:title>
			<media:description type="html"><![CDATA[Qualified Charitable Distributions (QCD): A Tax-Smart Way to Give From Your IRA After 70½]]></media:description>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/06/QCD-Qualified-Charitable-Distribution.png" />
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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>
		<guid isPermaLink="false">https://mullooly.net/?p=87003</guid>

					<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:player url="https://www.youtube.com/embed/cqBGSnWmZ94" />
			<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>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/06/Your-Beneficiary-Form-Decides-Who-Gets-Your-NJ-Pension.png" />
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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>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/05/Stay-NJ-part-III.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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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>
		
		
		
		<media:content url="https://www.youtube.com/embed/VkM7ea8TwgI" medium="video">
			<media:player url="https://www.youtube.com/embed/VkM7ea8TwgI" />
			<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>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/05/Retirement-Planning-For-Couples.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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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:player url="https://www.youtube.com/embed/SJyGYYarn70" />
			<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>
			<media:thumbnail url="https://mullooly.net/wp-content/uploads/2026/05/3-Ways-Retirement-Could-Affect-Your-Ability-to-Borrow-Money.png" />
			<media:rating scheme="urn:simple">nonadult</media:rating>
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		<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>
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					<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: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>
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		<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>
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		<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: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>
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