Wealth Management

Wealth Management

McMill Wealth specializes in financial planning, which includes investing, but also incorporates budgeting, taxes, insurance, mortgages, trusts, wills, etc.

We Are Wealth Managers,
Not Just Investment Advisors

McMill Wealth specializes in financial planning, which includes investing, but also incorporates budgeting, taxes, insurance, mortgages, trusts, wills, etc.

If all you are looking for is someone to handle your investing you just want an investment advisor, but if you want an advisor that can help you with your complete financial picture you are looking for a wealth manager.

We can offer you extensive financial planning. We are professionals with experience in investing and solving various financial issues.

We Are Wealth Managers and CPAs Who Use Passive Asset Class Management

We are an independent, fee-only, extensive investment advisory firm that specializes in managing portfolios structured around tax-efficient passive asset class investment strategies.

In addition to our fee-only structure, having a full staff of Certified Public Accountants puts us in the important position of being able to fully consider the tax ramifications of every investment decision. As a result, estate and tax planning don’t become an afterthought to the financial planning process; they become an integral part of it.

We Are a Registered Investment Advisor with a Fiduciary Role

McMill Wealth is a Registered Investment Advisor with the SEC. Federal and state law requires that Registered Investment Advisors are held to a fiduciary standard. This law requires that an advisor act solely in the best interest of the client, even if that interest is in conflict with the advisor’s financial interest.

We pledge to:

• Listen to you and care about your family
• Determine just how much it will take to make your financial dreams a reality
• Help you make a lifetime investment plan which reasonably assures the achievement of your goals
• Fund your plan with the right kind of asset classes
• Support you so you never lose faith in the plan, regardless of what the market does
• Offer you a complete portfolio of unbiased solutions
• Never make you feel unreasonably pressured to do anything
• Be your financial doctor

Families will be more successful at achieving and preserving wealth with the help of a caring and competent financial advisor than by trying to do it themselves.

We will design your portfolio and provide the discipline to achieve consistent long-term returns while reducing risks.

McMill Wealth Advantages

  • Academic Nobel Prize Winning Investment Approach – Used to manage portfolios and allows to have continued access to this academic research.*

  • Access to Institutional No-Load Passive Asset Class Funds

  • Account Rebalancing – Takes advantage of market fluctuations.

  • Income Taxes to a Minimum – By managing portfolios and tax-managed funds, when appropriate.

  • Minimal Fees and Never Locked In – No front-end loads or commissions; no A shares; no back-end loads or surrender fees and no 12b1 “marketing fees”.

  • Fully Diversified – Mutual funds that do not include style drift, making construction of a fully diversified portfolio based upon the asset classes much more efficient. (This is very important because 94% of investment results come from asset class selection and not market timing or security selection.)

  • Tax Efficient Focus – With valuable tax and estate-planning ideas.

  • Regular Communication and State-of-the-Art Reporting

  • Trusted-Advisor Relationship – Most importantly we are dedicated to your financial future. (Based on the Dalbar Study, disciplined investing can help you get approximately three times more than the average equity investor has made over the last twenty years.)

Our Process

  • Assess Your Needs and Risk Tolerance – We begin by getting to know you during a thorough planning meeting where we talk about your investment objectives, your liquidity and income needs, and your time horizon. We do not use canned checklists, but spend our time together getting to know you and what your wealth management will involve.

  • Design Your Portfolio – Considering your needs and risk tolerance we will develop a portfolio that fits you and your wealth management needs.

  • Manage and Monitor Your Portfolio – We re-balance as necessary to keep your portfolio within the parameters we designed above.

  • Review Your Portfolio – We meet with you one on one to evaluate your portfolio progress and any additional wealth management needs you may have.

  • Produce State of the Art Reporting – So you are kept informed about the continued progress of your portfolio.


To best complement McMill Wealth services we team up with attorneys specializing in estate planning. As your CPA/advisor we will gladly work with your attorney in coordinating your estate plan and making sure that you have the most tax efficient estate plan possible. The hassles and red tape associated with estate planning can be daunting, but you don’t need to do it alone. Our team is waiting to assist you through every step of the process.

Our Investment Philosophy

*https://www.chicagobooth.edu/faculty/nobel-laureates/eugene-f-fama