Your Guide to Financial Peace of Mind
Driven by your goals and informed by our experience, our team will continuously refine a retirement strategy uniquely suited to your needs. This allows you to focus on what matters most while we prepare for the future.
Have You Created Your Retirement Roadmap?
Unwavering Confidence
Our expert-driven strategies provide peace of mind from the start. We create clarity around your retirement income, ensuring you can confidently spend your hard-earned savings without fear of running out.
Proactive Guidance
We anticipate and navigate financial challenges before they arise. Our team stays ahead of market trends, tax law changes, and economic shifts to keep your plan optimized.
A Dedicated Team of Specialists
Leverage our collective expertise for your benefit. Our CERTIFIED FINANCIAL PLANNER® professionals bring over 25 years of experience in building secure retirements.
Continuous Optimization
Your plan evolves with your life, ensuring lasting relevance. We regularly reassess and adjust your strategy to align with changing goals, market conditions, and life events.
What You Can Expect
Personalized Approach
Proven Track Record
Comprehensive Perspective
We consider all aspects of your financial life, from investment management to estate planning and healthcare cost projections.
Ongoing
Support
Beyond the Basics: Comprehensive Retirement Income Planning
Four Types of Money Management
Most people arrive at retirement with money spread across taxable brokerage accounts, tax-deferred accounts like a 401(k) or traditional IRA, tax-free accounts like a Roth, and sometimes non-taxable assets such as life insurance cash value or an HSA. Each bucket is taxed differently on the way out, and the order you draw from them determines how much of your savings you actually keep. Pulling entirely from tax-deferred accounts early can push you into a higher bracket than necessary and inflate future required minimum distributions. Drawing only from taxable accounts can waste years of low-bracket space that would have been ideal for Roth conversions. We coordinate withdrawals across all four so the sequence works with your tax situation rather than against it.
Essential vs. Discretionary Spending
Not every dollar you spend carries the same weight. Housing, food, insurance, and healthcare are non-negotiable — they have to be funded regardless of what markets are doing. Travel, gifts to family, a second home, and club memberships are real priorities, but they can flex in a bad year in a way that essentials cannot. Separating the two changes how a portfolio should be built. Once we know what your essential floor costs, we can match it against reliable income sources — Social Security, pensions, and other guaranteed streams — so the money funding your baseline isn’t exposed to a downturn at the wrong moment. Discretionary spending can then be funded from assets with more growth potential, because you have room to adjust it if you need to.
Lifecycle-Based Planning
Spending doesn’t stay flat across retirement. The early “Go-Go” years usually carry the highest discretionary spending — travel, second homes, helping adult children — while the “Slow-Go” years settle into a lower and more predictable baseline. The “No-Go” years often see spending rise again, driven by healthcare and long-term care rather than lifestyle. A withdrawal plan built on a single flat inflation-adjusted number tends to either overfund the years you can’t use the money or underfund the years you need it most.
Inflation Protection
A retirement that lasts thirty years has to survive three decades of rising prices. Even modest inflation compounds into a serious gap between what your income covers at 65 and what it covers at 85 — and the categories retirees spend most on, particularly healthcare, have historically risen faster than the overall rate. Holding too much in cash feels safe and quietly loses ground every year. We build in assets with a track record of outpacing inflation over long periods, including equities, Treasury Inflation-Protected Securities, and real estate exposure, sized so that the growth you need doesn’t introduce more short-term volatility than your plan can absorb.
Cheapest Places to Retire in the US
Should I or my Spouse Take Social Security Benefits Early?
If you are nearing retirement, odds are you have thought a lot about how to get the most out of Social Security. You may have even thought about you or
How Much Do I Need to Retire?
“How much do I need to retire” is one of the most common questions people have when it comes to their personal finances. Regardless of age, occupation, or socioeconomic status,
Remember: You Only Retire Once
Don’t leave your financial future to chance. With Mills Wealth Advisors, you get one shot at retirement – done right. Our commitment to your financial well-being starts on day one and continues throughout your retirement journey.
FAQ
Which towns/cities do you service?
We proudly serve families and professionals across Northeast Tarrant County, including: