Julia L. Mull, PhD, CFP®, ChFC®, MBA, is an adjunct professor at The American College of Financial Services has been in the financial services industry for over 30 years. She quickly worked her way from entry level positions in the banking industry into management, leading several top performing branch banking centers. During her years serving in retail banking, she became an assistant vice president, a licensed banker, and completed her MBA with a graduate certificate in entrepreneurship from what was formerly known as Indiana Purdue Fort Wayne (IPFW), currently Purdue Fort Wayne (PFW). After completing her MBA, she began pursuing another graduate degree in family financial planning from Montana State University, a CFP Board-registered program.

During this time, Mull had the opportunity to teach full-time at a small liberal arts college in Montana after several years of teaching as an adjunct professor during her tenure as a full-time banker. After transitioning into her academic role, she earned her CFP® certification and additionally began working for a financial services company. In this role she provided life insurance products, broker-dealer services, and AUM among other financial products and services. Her achievements at the college include successfully gaining approval for the college to offer CFP Board-registered programs. She is the program director for those programs as well as serving as the department chair for the overall Business Department, overseeing the existing undergraduate majors in financial planning, accounting and strategic finance, and management and marketing. She continues to serve a small number of clients using a fee-only business model providing personalized financial education to empower individuals to make informed decisions.

Mull completed her PhD at Kansas State University in personal financial planning. Her research interests include retirement planning, behavioral finance, women and money, financial

literacy, and generational wealth topics. Her primary interest is retirement planning, with her dissertation investigating the usefulness of the application of the transtheoretical model of change to retirement saving behavior.

Mull earned the Chartered Financial Consultant® (ChFC®) designation in August 2024. She began providing adjunct teaching services to The College in July 2026. She continues to serve in that role, providing educational support to those students pursuing CFP® certification and ChFC® designation, as well as teaching graduate courses within the Master of Science in Financial Planning (MSFP) curriculum.