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.
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.

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401k Plan Learning Center Articles

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Mills Wealth Advisors

Should You Manage Your Own Investments? A Team Approach for Entrepreneurs

We’ve seen first hand how for many busienss owners, managing their investments personally can start as an empowering endeavor. However, as business demands escalate and investment portfolios grow, the complexity of effective management increases. This is where our team of experts come into play, guiding entrepreneurs through the intricate landscape of investment management, ensuring their financial growth aligns with their business success. The Transition to Professional Management Entrepreneurs often reach

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What is the Corporate Transparency Act (CTA)? And Do I need to file my Beneficial Ownership Information Report?

The Corporate Transparency Act was approved by Congress in January 2021, and is a new federal law requiring many business entities to identify to the Treasury Department the individuals who own or control a 25 percent or greater interest in the entity or who otherwise exercise substantial control over the entity. Starting in 2024 business owners will need to file their beneficial ownership information by the end of the year

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New IRS e-File Regulation for 2024

Remember that old saying “nothing ever stays the same”? Well, that saying can be applied to a wide array of things, including IRS filing regulations. Last year, the IRS issued updated regulations for 2024 that are intended to minimize the number of paper filings they receive each year. These new regulations, which the IRS hopes will streamline and modernize the current tax filing process, will impact 2023 tax filings –

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Mills Wealth Market Update 4th Quarter 2023

DOWNLOAD THE PDF Happy new year!  As we enter 2024, I want to cover a few key concepts that are deeply embedded into how Mills Wealth thinks about protecting and growing your portfolio in a manner that offers investors a very high probability of success.  Investing is a risky business, there are no free lunches, at MWA, we want to mitigate or reduce as much risk as possible, to allow

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How Markets Performed Across the World in the Fourth Quarter of 2023 – Mills Wealth Q4 Market Review

The 4th quarter was quite the rollercoaster ride. The first month saw the market move down quite a bit, only to be followed by one of the best Novembers EVER recorded. Both Bond and Stock Markets across the world were sharply up in the 4th Quarter with Global Real Estate leading the way at 15.47%, followed by the US Stock Market at 12.07%, the International Market at 10.51%, Emerging Markets

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Taking Stock of Mills Wealth’s Underlying Investments

Each quarter we look at the funds in our investment lineup as well available funds not in our lineup, that meet our investment criteria. As we began to do that this year, we came across this slide deck showing the performance of Dimensional Funds up until December 31, 2023. Take some time to look and see how they have done versus their peers as well as against their benchmark. *A

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Are Higher Yields Good or Bad for Investors?

I recently read an article on Vanguard’s website talking about why higher yields may be a good thing for investors. As you may know, in 2022 when interest rates went from essentially 0% to 5% it was bad for both the stock market and bond market, with both of them down over 10% for the year. But now at the end of 2023 we are looking at these rates that

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What is AFR (Applicable Federal Rates)? And How does it Work?

Introduction If you are like most of the wealthy clients we work with, you have built a great nest egg. With that comes family and friends asking for money or asking for a loan. You want to help out, but you want to make sure you do it the right way. A key aspect often overlooked is the Applicable Federal Rate (AFR), which plays a pivotal role in these transactions.

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How Often Should I Update my Will?

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

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Best Way to Budget for the Holidays

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

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