About Octus Financial
Our Commitment
As a Federal Retirement Consultant I am an expert in your benefits and your Basic Benefit Plan. As a National Social Security Advisor Certificate Holder, I am an expert in Social Security and how to make the most of it for your specific needs. As a Financial Planning and Wealth Management Advisor, I understand how to optimize your TSP to fit your goals. As a Fiduciary, I chose to be legally bound to put my clients needs at the forefront of any and all advice that I give. With Graduate degrees in Business Management, and IT Management and Undergraduate degrees in HR Management, Finance, I understand the business side of working. As a military spouse I understand the unique inner working of military services. As a previous federal employee I have walked in your shoes, and I am here to serve you.
In finance and also as a federal employee. Mia understands the ins and outs of federal employment and the importance of making the most of your benefits and retirement. Mia has been in the finance industry since 2000.
We are here for you. If you have questions or need help with anything regarding your benefits or retirement contact us. We are here to take the load off of managers, bridge the gap for HR, and provide expert advice that you are searching for.
When life takes turns we are there to make sure you stay on the right track. We will provide you with information so that you can make the best decision for you.
About the Owner
Mia Hulin—Putting People First in Retirement Planning
Mia Hulin is dedicated to making a meaningful impact through education and guidance, ensuring that every individual receives personalized retirement solutions tailored to their unique needs. She believes that financial services should prioritize people first, using money as a tool to achieve security and peace of mind. Her mission is to bring back the "service" in financial services—where individuals can ask real questions and receive clear, personalized answers specific to their situation.
As an independent advisor, Mia has partnered with a powerhouse team committed to finding the best financial solutions for her clients. Her expertise is rooted in data-driven insights, ensuring that every decision is based on sound financial principles. With clarity, honesty, and integrity at the core of her approach, she exclusively works with top-rated companies that uphold the highest industry standards. Her ongoing goal is to positively impact as many lives as possible by providing thoughtful, individualized retirement strategies.
Over 20 Years of Experience in Retirement Planning
With over two decades of experience, Mia is a recognized expert in federal benefits, Social Security, and financial planning. As a Federal Retirement Consultant, she provides in-depth guidance on the Federal Employees Retirement System (FERS) and the Civil Service Retirement System (CSRS). As a National Social Security Advisor Certificate Holder, she specializes in helping individuals maximize their Social Security benefits based on their unique financial goals. Additionally, as a financial planning and wealth management advisor, she helps clients optimize their Thrift Savings Plan (TSP) to align with their retirement vision.
As a fiduciary, Mia is legally and ethically committed to putting her clients' needs first in every recommendation she provides. Her expertise is backed by two graduate degrees in Business Management and IT Management, as well as undergraduate degrees in HR Management and Finance. With over 50 professional designations, she continuously expands her knowledge to stay at the forefront of the industry.
Beyond her professional credentials, Mia understands the unique challenges faced by federal employees and military families. As a former federal employee and a military spouse, she has firsthand experience navigating the complexities of government benefits and military service. This deep personal connection drives her passion for serving the federal community and beyond, ensuring that individuals receive the guidance and support they need for a confident and secure retirement.
When You Retire Matters
Portfolio Balance
Withdrawals
Returns
$100,000
$111,000
$5,000
16%
$125,880
$5,100
18%
$134,525
$5,202
11%
$146,707
$5,306
13%
$155,966
$5,412
10%
$148,855
$5,520
-1%
$141,766
$5,631
-1%
$128,934
$5,743
-5%
$115,340
$5,858
-6%
$97,830
$5,975
-10%
AVERAGE ANNUAL RETURN
4.50%
Portfolio Balance
Withdrawals
Returns
$100,000
$85,000
$5,000
-10%
$74,800
$5,100
-6%
$65,858
$5,202
-5%
$59,893
$5,306
-1%
$53,882
$5,412
-1%
$53,750
$5,520
10%
$55,107
$5,631
13%
$55,425
$5,743
11%
$59,543
$5,858
18%
$63,095
$5,975
16%
AVERAGE ANNUAL RETURN
4.50%
