401k Plans

Mills Wealth Advisors provides advisory services to company retirement plans, 401k participants, and individual investors. Our services include plan design, fund recommendations and reviews, participant education, and ongoing review and maintenance. We are ERISA Section 3(38) investment advisors for many of our plans, and we take fiduciary responsibility for selecting the investment options for the retirement plans we service. Our services may include:

Using low total cost, asset class, or index style mutual funds
Developing, monitoring, and updating investment policy statements
Providing investment options that are packaged to model various diversified portfolios
Ongoing trustee communications
Employee communications and education
Transparent fee structure and reporting

By lowering plan TOTAL cost and utilizing innovative plan designs, such as the Save More Tomorrow methodology (SMarT) created by Professor Shlomo Benartzi from The Anderson School at UCLA, we can radically change your employees results. Studies have linked more savings to higher confidence and more productive workers. Let Mills Wealth Advisors benchmark your plan.

Using low total cost, asset class, or index style mutual funds
Developing, monitoring, and updating investment policy statements
Providing investment options that are packaged to model various diversified portfolios
Ongoing trustee communications
Employee communications and education
Transparent fee structure and reporting

401k Plan Learning Center Articles

Who We Are

Mills Wealth Advisors

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How Often Should I Update my Will?

November 22, 2023

Is estate planning a one and done deal?… or does it, like your retirement planning, require ongoing attention and review? Estate planning provides the individual control over their assets. That control provides certainty, flexibility, and assurance that their hard-earned assets are protected and treated in the manner in which they decide – not the government, not the state, not their relatives. While not as visited of a process as retirement

Best Way to Budget for the Holidays

November 17, 2023

The holiday season is a time of joy, celebration, and giving. However, with all of the holiday excitement comes the need for careful financial planning. Did you know that the average American spends almost $1,500 on gifts for the holiday season and many spend well over that?1 Add in travel expenses, decorations, and other events and the expenses start to pile up. Setting a budget for the holidays is essential to

What Should I Know Before I Retire? Quote Edition

November 10, 2023

People have their take on retirement, including the good, the bad, and the ugly. With planning, hard work, and a little luck, your retirement can be a dream come true (at least according to these pundits). Here are some of our favorite quotes about retirement! According to the Poor Richards Almanack, written by the original early retiree, Benjamin Franklin, a happy retirement is simple. He suggests: “Know how much is

Retirement Planning: What do Military Families Need to Know?

November 2, 2023

Retirement is an exciting life milestone that requires careful planning and budgeting. For military families, it requires even more knowledge because you need to ensure that you meet all the military’s qualifications and that you are taking full advantage of any veterans benefits coming your way. To celebrate National Veteran and Military Family Month in November, let’s look at what military families need to know when approaching retirement planning, including

Family Finances & Empowering Women

October 27, 2023

By Lena Melugin, Private Wealth Advisor I’ll never forget one of my most impactful client meetings shortly after I became a planner. We had a new client come in who had recently lost her husband. She was a mother to two children and had just received a $4m death benefit. She had not worked in years and had not been involved in the family finances. This meeting was not to

Safe Harbor IRS Provision

October 20, 2023

If you are a W-2 employee, then your employer should be withholding and submitting your taxes each pay period. If you are self-employed or have income other than W-2 income, you might make quarterly tax payments. However, if your employer isn’t withholding enough or your quarterly estimated payments are off, you could end up owing additional taxes when you file your tax return – which in turn could result in

Mills Wealth Market Update 3rd Quarter 2023

October 13, 2023

DOWNLOAD THE PDF Summer just won’t go away, but I think Fall is finally sneaking into North Texas. On the weekends I smell barbecue cooking at the Southlake Dragon high school football tailgates & the same goes for the college pregame tailgates on Saturdays (and the post-game parties afterwards.) Wyoming is 4 and 1 and when I talk to my daughter, Alli who is a senior there or Emily, one

How Markets Performed Across the World in the Third Quarter of 2023 – Mills Wealth Q3 Market Review

October 6, 2023

DOWNLOAD THE PDF The 3rd quarter was the first quarter this year that saw all markets decline. Global Real Estate was the biggest loser of the quarter at -6.49% followed by International Developed Stocks at -4.10%, the US Stock Market at -3.25%, surprisingly followed by the US Bond Market at -3.23%. Bringing up the rear was the Emerging Stock Market at -2.93% and the Global Bond Market at -0.78%. The

Medicare Open Enrollment Begins Oct. 15th. What Does That Mean For Me?

September 29, 2023

Medicare’s open enrollment period happens once a year between October 15 and December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. This can be a useful option for those who may have recently changed medication, underutilized their current coverage or found they could use additional benefits.1 How to Search For Medicare Plan Options It shouldn’t take a ton of research

Understanding Social Security Benefit Taxation

September 22, 2023

Receiving Social Security benefits is advantageous in retirement, but like almost every other form of income, these benefits are taxed by the government. To accurately predict your retirement income (and taxes), it’s important to understand how Social Security benefits are taxed. Here, we explain everything you need to know about Social Security benefit taxation. How are Social Security Benefits Taxed? While Social Security benefits are a vital source of income

401K PLANS

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401k Plan Learning Center Articles

Who We Are

Mills Wealth Advisors