Thomas J. Mullen, CFP®, CFSLA

Partner, Chief Operating Officer, Sr. Wealth Management Advisor

Over the last 20+ years in financial services, Tom has worked both directly with clients and advisors to develop and implement comprehensive financial plans to address their goals and most complex financial needs. Tom spent over 21 years at Fidelity Investments primarily working with clients directly and in leadership positions. Tom spent the bulk of his 21 years focusing on two areas. Eight years in the managed accounts group focused on the real world application and implementation of portfolio management and a total of eleven years in wealth planning offices both in northern New Jersey and in Boston. While in Boston, Tom co-led a multi-billion dollar wealth planning office where he led a team of financial planners. His days were spent hiring, coaching, mentoring and leading his team to achieve successful outcomes for clients through financial planning and investing.


After leaving Fidelity, Tom served as the Chief Operating Officer of a start-up digital marketing company


Tom has been a Certified Financial Planner, CFP® since 2005 and also attained the College Funding & Student Loan Advisor, (CFSLA). The CFP® is foundational to the broad based planning that Tom and Breakwater Capital Group provide. The CFSLA allows Tom to specialize in an area that proves to be a financial challenge for many families and young professionals


Tom lives in Norfolk County with his wife and three children. Outside of the office, Tom can be found either coaching or cheering on his children in their many athletic, musical or academic activities. Tom is an avid Boston sports fan

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Blogs

Your Child Committed to College… Now Protect Your Family’s Financial Future

By Thomas Mullen • June 12, 2026
Navigate college funding without compromising retirement. Expert guide to balancing multiple funding sources, avoiding debt traps, and protecting your family's financial future.
older white couple kayacking on river with life vests in beutiful mountain scenery

Building Wealth Is Only Half the Journey: Learning to Enjoy It Matters Too

By Thomas Mullen • June 1, 2026
Learn when wealth-building discipline becomes counterproductive. Expert guide to balancing saving for the future with enjoying life today through smart financial planning.
college financing family looking over kids solder at laptop as he applies for colleges

Bridging the College Funding Gap: Strategies Beyond the 529 Plan

January 4, 2026
Discover practical strategies to bridge college funding gaps when 529 plans aren't enough. Learn about FAFSA, scholarships, Roth IRAs, smart loans, and cost-cutting tactics.

The Power of Gifting in Your Financial Plan

By Irshad Design Team • December 10, 2025
Strategic gifting can reduce estate taxes and help loved ones when they need it most. Discover 2025 gift tax rules, state exemptions, and planning strategies.

What Is 401(k) Vesting? Why Young Workers Lose Thousands When Changing Jobs

By Irshad Design Team • December 10, 2025
Most young workers lose thousands in unvested 401(k) matches. Learn the 5 vesting schedule types and how timing job changes can save your retirement.

Spring Cleaning Your Finances: Is Your Money Organized for Success?

By Breakwater Team • April 21, 2025
Spring is a time for renewal—a season to declutter, reorganize, and bring fresh energy into our lives. While cleaning out closets and tidying up your home, why not do the same for your finances? A cluttered financial situation can lead to stress, missed opportunities, and hidden costs that can throw off your long-term plans. Taking the time to organize your finances can help you feel more in control and ready for the future. With over five decades of combined experience, Breakwater Capital Group helps clients nationwide manage their assets, offering personalized guidance through our Massachusetts, New Jersey, and Colorado wealth management offices.  In this blog, we’ll explore why financial organization matters and the key steps you can take to refresh your financial life this spring.

Preparing for College Costs: A Guide for Massachusetts Parents

By Breakwater Team • March 24, 2025
Every parent wants to give their child the best opportunities in life, and a quality education is a key part of that. However, with college costs rising rapidly, planning ahead has never been more important. Over the past 20 years, tuition and fees at public four-year institutions have more than doubled, making it essential for families to explore various options and develop a savings strategy. At Breakwater Capital Group , our Greater Boston based wealth management team works with individuals and families nationwide to develop financial plans that incorporate college savings while keeping other financial priorities on track.  This guide discusses the rising cost of college, available financial aid, and practical strategies to help Greater Boston parents prepare.

Navigating College Costs: Your Guide to Funding Higher Education in Massachusetts

By Breakwater Team • February 6, 2025
Congratulations! Your student has been accepted to college. Now, the crucial question is: How do you pay for it? This is an exciting yet challenging time for students and parents across Massachusetts. As graduating seniors eagerly anticipate their next chapter, families face the logistical, emotional, and, most importantly, financial adjustments that come with higher education. Effective planning is key to navigating these transitions successfully.

Potential Tax Changes: 2025 and Beyond

By Breakwater Team • November 1, 2024
Taxes are a part of American life, and they come in all different forms: Income tax, capital gains, excise tax, sales tax, and on, and on. The income tax system as we have come to know it today was introduced as the sixteenth Constitutional Amendment in 1913, but taxes have been collected for as far back as man kept records. These revenues are used to fund the country and our respective states. Key programs like Social Security and Medicare, national defense along with public services like roads, national parks, emergency services, and public schools are all funded by your tax dollars. In general the tax code remains similar year to year, while there are recurring adjustments to the tax rate tables accounting for inflation or the upping of contribution limits to a 401(k) or individual retirement accounts (IRAs), periodically there are significant shifts in legislation, the last one enacted in 2017 with the Tax Cuts and Jobs Act (TCJA). In an effort to get enough bipartisan support to pass, several provisions were written in as temporary and are set to expire in 2025. Some of those changes are likely to be rather consequential, affecting a wider swath of the tax paying population.