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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Mills Wealth Advisors

Estate Planning Essentials: A Guide to Organizing Your 


March 6, 2025

Why Estate Planning Matters Estate planning is not just for the wealthy, it’s a crucial process for everyone, ensuring that your assets are distributed according to your wishes and that your loved ones are not burdened with unnecessary legal and financial challenges. Proper planning also prepares for unforeseen circumstances, such as incapacity, by granting decision-making power to trusted individuals. Key Estate Planning Documents To effectively plan your estate, assemble the

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BOI Reporting Update

March 3, 2025

The BOI Reporting saga continues
 In the latest development, the Financial Crimes Enforcement Network (FinCEN) has reinstated the Beneficial Ownership Information (BOI) reporting requirements under the Corporate Transparency Act (CTA). This follows a recent federal court decision that lifted the previous nationwide injunction, thereby reactivating the mandate for entities to disclose their beneficial ownership details. **DISCLAIMER: FinCEN has said they may issue additional reporting deadline extensions or other guidance relating

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IRS Super Catch-Up Contributions: What You Need to Know

February 24, 2025

Starting in 2025, retirement savers in their early 60s will have an exciting new opportunity to boost their savings. Thanks to the Secure Act 2.0, individuals aged 60 to 63 will be eligible for increased catch-up contributions—what’s now being called the “super” catch-up contribution. This change aims to help older workers maximize their retirement funds in their final working years. Who Qualifies for the Super Catch-Up? If you participate in

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How to Build Your Child’s Credit: A Step-by-Step Guid 


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Building a strong credit foundation for your child can set them up for financial success in adulthood. By introducing them to credit concepts early and guiding them through responsible money management, you can help them establish good financial habits. Here are five key steps to get started. 1. Start Early Children typically don’t have credit reports, but teaching them about money from a young age can prepare them for responsible

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Mills Wealth 4th Quarter Market Update 2024

January 15, 2025

DOWNLOAD THE PDF I look forward to writing this market update to share with our clients and our friends what we saw in the market over the past three months and what we see looking forward to the first quarter and the year 2025. I can’t believe another year has come and gone, but 2025, here we come! Please use the links below to navigate to the sections most helpful

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Market Review Fourth Quarter and 2024

January 14, 2025

The 4th quarter of 2024 saw a mixed performance: the US Stock Market grew at 2.63% followed by the Global Bond Market (ex-US) at 0.74%. The other markets fell, with Global Real Estate experiencing the steepest drop at -9.02%, followed by Emerging Market Stocks (-8.01%), International Developed Stocks (-7.43%), and US Bonds (-3.06%). The good news is all these markets, excluding the US Bond market (5-year), have shown growth over

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Should I Pay Off Debt or Invest? Where Should Your Doll 


January 3, 2025

One of the biggest financial dilemmas people face is deciding whether to pay off debt or invest. The right answer depends on several factors, but a good rule of thumb is to focus on paying off any debt with an interest rate above 4% before prioritizing investing. Why 4%? The reason 4% is a critical threshold is simple: it’s a reasonable long-term assumption for the after-tax return of a conservative

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Solo 401k Vs SEP IRA: Which is Better?

December 13, 2024

For self-employed individuals and small business owners, choosing the right retirement plan is a critical decision. Two popular options—the Solo 401(k) and the SEP IRA—offer unique advantages but serve slightly different purposes. This article explores their similarities and differences, highlighting why the Solo 401(k) may be the superior choice for most. Understanding Solo 401(k)s A Solo 401(k), also known as an Individual 401(k), is a retirement savings plan designed specifically

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Should You Choose a 15 or 30 Year Mortgage in 2025?

December 6, 2024

Should You Choose a 15-Year or 30-Year Mortgage? When buying a home, one of the most critical financial decisions you’ll face is choosing between a 15-year and a 30-year mortgage. This choice not only determines your monthly payment but also impacts the total interest you’ll pay over the life of the loan. Historically, 15-year mortgages have offered lower interest rates, averaging 0.55% less than 30-year mortgages over the past 30

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Why Most People Fail at New Year’s Goals

November 30, 2024

Why Most People Fail at Setting New Year’s Financial Goals (and How to Succeed) Every year, millions of people set ambitious financial goals for the New Year. They vow to save more, spend less, pay off debt, or finally start investing for the future. But as the months roll by, many find themselves stuck in the same patterns, wondering why their resolutions fell apart. The truth is, the biggest reason

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1207 S. White Chapel Blvd.
Suite 150
Southlake, TX 76092
For more than twenty-five years, we’ve been serving the financial needs of businesses, individuals, and families in Southlake, Texas and around the country.
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