Melissa Mullan

Melissa Mullan
CFP®, RICP®, CEPA® | Lead Financial Advisor & Advisory Team Lead
Registered Principal | Harford Financial Group

Melissa is one of Harford Financial Group’s esteemed financial advisors, bringing over 20 years of experience and a wealth of expertise to the clients she serves. As a CERTIFIED FINANCIAL PLANNER™ professional, Retirement Income Certified Professional® (RICP®), and Certified Exit Planning Advisor® (CEPA®), she provides comprehensive, values-based financial planning with a focus on individuals and families approaching or living in retirement.

Melissa takes a holistic approach to financial planning, guided by five core pillars: retirement income, tax management, asset management, asset protection, and estate planning. She is passionate about helping clients build robust retirement plans, thoughtfully coordinating Social Security and pension benefits, and optimizing investment income to align with lifelong goals.

Melissa’s journey with Harford Financial Group began right after high school when she became the first recipient of a scholarship jointly awarded by the firm and the Harford County Chamber of Commerce. She later graduated summa cum laude from Notre Dame of Maryland University with a degree in Business, concentrating in Finance and Accounting. Over the years, she has held a variety of roles within the firm—including in administration, compliance, and insurance—and now serves as a Registered Principal, Advisory Team Lead, and Lead Financial Advisor.

A lifelong Harford County resident, Melissa has deep roots in the local community. She and her husband, Andy—her high school sweetheart from North Harford High School—are raising their three sons, Toby, Jayden, and Seth, with a strong emphasis on education, faith, and personal growth.