Mills Financial Services LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides financial planning, investment consultation, ongoing portfolio management, periodic educational workshops, and advisory support to individuals, high‑net‑worth clients and small businesses, including assistance for retirement plan sponsors. Like many independent advisers, it offers ongoing portfolio management for individuals and uses an asset‑based fee arrangement while also addressing estate, tax, divorce and business planning matters.
The firm’s investment approach combines fundamental analysis with Modern Portfolio Theory to build diversified portfolios that may include domestic and international equities, fixed income, mutual funds, ETFs and individual securities. It may employ active tilts (for example toward certain market capitalizations or value exposures), adjust equity exposure in response to perceived market risk, and manages client accounts on a nondiscretionary basis that requires client approval for trades.
A distinctive feature is that the firm’s principal is also a licensed insurance agent appointed with multiple unaffiliated carriers and devotes a material portion of time to selling and servicing insurance and fixed annuity contracts, receiving commissions and renewal compensation on those transactions. The brochure discloses this dual role and the potential conflict of interest to clients, notes the firm does not receive commissions on securities transactions, and states it does not sponsor wrapped (bundled) fee programs.
Client services
Expertise
Fee options
Financial planning fixed fee of $1,000
$0 - $199,999: 1.20% annually $200,000 - $499,999: 1.10% annually $500,000 - $999,999: 1.00% annually $1,000,000 - $1,999,999: 0.75% annually $2,000,000 - $2,999,999: 0.50% annually $3,000,000+: 0.25% annually
Minimum fee: Financial planning fixed fee of $1,000 Fee-only: Financial planning fixed fee of $1,000; no commissions or performance fees
Main office
Tehachapi CA
Advisors at this office
1
Most active in
California
Also doing business as
Life Insurace Sales · Mills Financial Services LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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