Individuals & Families
Mike specializes in building portfolios for people navigating real-life complexity — growing wealth, preparing for retirement, or managing a major financial transition.
Claro Advisors
Michael Mullin
Michael Mullin, CFA® brings 20+ years of institutional investment experience to individuals and families — cutting through market noise to build portfolios built for the long run.
About your advisor
- CFA®
Michael Mullin
Wealth Advisor & Chief Market Strategist
Michael Mullin is a Wealth Advisor at Claro Advisors, where he focuses on building portfolios for individuals and families. As a Chartered Financial Analyst® with over 20 years in the investment industry, Mike brings an institutional research discipline to his client relationships — conducting in-depth macroeconomic analysis designed to keep portfolios aligned with a changing global landscape.
Mike began his career at Merrill Lynch, then built expertise at BNY Mellon, Jeffries, and Boston Research & Management before founding his own practice in 2011.
Outside the office, he's completed three Boston Marathons to raise money for ALS research, coaches his kids' sports teams, and serves as co-chair of the Financial Literacy Initiative with CFA® Boston.
Clients & services
Who Michael Works With & What He Brings
Macro-Informed Investing
As a CFA, Mike conducts institutional-grade macroeconomic research so your portfolio is built to stay informed by global shifts — not surprised by them.
20+ Years of Experience
Mike has managed portfolios at Merrill Lynch, BNY Mellon, Jefferies, and Boston Research & Management. That depth informs how he approaches every client relationship.
Fiduciary Advice, Always
As a fee-only RIA, Mike works in your interest — that's the commitment.
Community Commitment
Three Boston Marathons run for ALS research. Co-chair of CFA® Boston's Financial Literacy Initiative. Mike gives back the same way he invests: with purpose and follow-through.
process
How We Work Together
01
Start With Your Picture
We begin by understanding where you are — your goals, your assets, what keeps you up at night, and what you're building toward. No templates. No assumptions.
02
Build a Portfolio With Purpose
Using Claro's planning tools and Mike's macroeconomic research, we design a portfolio aligned to your goals and current market conditions — informed by research, not just historical averages.
03
Stress-Test Against What's Coming
Mike monitors your portfolios against the macro landscape continuously in order to respond promptly when conditions change.
04
Stay in Sync
Regular reviews, proactive communication when markets shift, and access to Mike directly — so you always know where you stand and why.
faqs
Common Questions
What types of clients do you work with?
I work primarily with individuals and families who want a thoughtful, research-driven approach to managing their wealth. Many of my clients are in a period of transition — approaching retirement, navigating a windfall, or simply ready to work with an advisor who brings real investment depth to the relationship.
What makes your approach different from other advisors?
My background is on the institutional investment side — I've spent over 20 years analyzing markets and building portfolios at firms like BNY Mellon, Jefferies, and Boston Research & Management. That lens doesn't go away when I'm working with an individual client. I'm running macro research and stress-testing your portfolio against real-world conditions — actively monitoring and adjusting as the environment evolves.
How do you charge for your services?
Claro Advisors is a fee-only, fiduciary RIA — which means we're compensated only by our clients, never by commissions or product sales. Our fees are based on assets under management, and that fee covers financial planning, investment management, and ongoing access to your advisor. Additional costs may apply, including custodial fees, fund-level expenses, or third-party manager fees, depending on your portfolio. I'll walk you through the full fee structure in our first conversation. Our full fee schedule is described in our Form ADV Part 2A, available at https://adviserinfo.sec.gov/firm/summary/160294 or upon request.
What does working with you actually look like day-to-day?
You'll hear from me proactively — not just at scheduled review meetings. When markets move in ways that affect your portfolio, I reach out. When something changes in your life, we adjust. It's a real relationship, not a once-a-year call.
What's your take on working with Claro's technology platform?
The platform gives me tools that let me spend less time on paperwork and more time on what actually matters — your investments and your plan. It's not technology for its own sake. It just means you get more of my attention where it counts.
Start a conversation with Michael Mullin
Important Disclosures
This microsite has been prepared by Mike Mullin, CFA, a financial advisor with Claro Advisors Inc., an SEC-registered investment adviser (CRD No. 160294). The information presented is intended to describe Mike's background, services, and general approach to financial planning. It does not constitute investment advice, a solicitation, or an offer to buy or sell any security.
Registration with the SEC does not imply a certain level of skill or training.
Services and Scope: Claro Advisors provides investment management and financial planning services. References to tax planning describe general financial planning considerations only and do not constitute tax advice. Clients should consult a qualified tax professional or attorney for tax return preparation, legal matters, or jurisdiction-specific guidance.
Investment Risk: All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. There is no guarantee that any investment strategy or financial plan will achieve its objectives. Actual results will vary depending on individual circumstances.
Tax Outcomes: Tax strategies and tax-aware planning approaches are intended to seek opportunities to improve after-tax outcomes. Tax results are not guaranteed and will vary based on each client's individual tax situation, applicable law, and other factors outside the adviser's control. Clients should consult a tax professional regarding their specific circumstances.
Financial Planning: Financial planning and goal-based strategies are designed to help clients work toward their objectives. Engaging in planning does not guarantee any specific financial outcome. Results depend on many factors, including market conditions, individual behavior, and circumstances that cannot be predicted or controlled.
Compensation: Claro Advisors is a fee-only registered investment adviser. Compensation is based solely on fees paid by clients. Claro Advisors does not receive commissions or compensation from product sales. A full description of our fee schedule and compensation arrangements is available in our Form ADV Part 2A at https://adviserinfo.sec.gov/firm/summary/160294 or upon request.
Form ADV: Claro Advisors' Form ADV Part 2A and Part 2B, which describe our services, fees, conflicts of interest, and disciplinary history, are available upon request or at https://adviserinfo.sec.gov/firm/summary/160294. Prospective clients are encouraged to review these documents before engaging our services.
CFA® Designation: The Chartered Financial Analyst® (CFA®) designation is awarded by the CFA Institute to investment professionals who complete a self-study program, pass three levels of examination, and meet work experience requirements. The designation emphasizes investment analysis, portfolio management, and ethical standards. CFA Institute does not endorse or warrant the accuracy or quality of products and services offered by CFA charterholders.