Sara Mills-Gaines, Financial Advisor

Sara Mills-Gaines, Financial Advisor With over two decades of experience in the financial services industry, having started in 2003, helping clients achieve their financial goals.

Her knowledge encompasses retirement planning, investment management, tax strategies, and estate planning. With over two decades of experience in the financial services industry, having started in 2003, Sara focuses on helping clients achieve their financial goals. She works with individuals and businesses to create comprehensive financial plans tailored to each client's specific situation. Her approach centers on addressing complex financial needs while keeping the client's long-term vision in mind. Sara offers a wide range of services, including insurance, business succession, and liability management. Sara values ethics, integrity, and timely communication, ensuring clients receive advice that aligns with their goals and aspirations. Outside of work, Sara enjoys being actively involved in the community through Rotary and other local programs. She also spends time on hobbies like sailing, motorcycles, and golfing. As an animal lover, Sara shares her home with her dog and three rescue cats, who are an essential part of her life. Insurance products issued by Principal National Life Insurance Company (except in NY), Principal Life Insurance Company®, and the companies available through the Preferred Product Network, Inc. Securities and advisory products offered through Principal Securities, Inc., Member SIPC. https://www.sipc.org/ Referenced companies are members of the Principal Financial Group®, Des Moines, IA 50392. Sara Mills-Gaines, Principal National and Principal Life Financial Representative, Principal Securities Registered Representative, Investment Adviser Representative, and a member of the Principal® Financial Network. Sara Mills-Gaines is not licensed in all states to offer securities and insurance products. This site is not a solicitation of interest in any of these products or service in any state which the registered representative is not properly licensed. /*********/ The skills list below does not imply licensure, training, or the ability to solicit products or services. www.sipc.org www.principal.com

Size matters, but a provider list alone does not tell the entire story.A strong network should combine:- Access to parti...
10/07/2026

Size matters, but a provider list alone does not tell the entire story.

A strong network should combine:
- Access to participating providers in relevant locations
- A mix of provider relationships
- Plan and network considerations
- Consistent benefit administration
- Ongoing attention to changing provider markets

Network arrangements may help support access while complementing a carrier's broader network approach.

The goal is not to collect the largest possible number.

The goal is to support practical access and a positive benefits experience for members and employers.

10/01/2026

Se dice que se ocupa una aldea para criar a un hijo. Y las familias que logran un impulso financiero sólido adoptan esta idea. Cuando las familias se comprometen con el mismo objetivo, el impacto se amplifica mucho más allá del dinero. Con un plan de ahorro 529 para la universidad, cualquiera puede contribuir y los ahorros crecen con impuestos diferidos; cada dólar es una inversión que se comparte para el futuro de un niño.

https://scholarsedge529.com/?utm_medium=socialselling&utm_source=socialchannel&utm_term=livesocial

The global economy continues to defy expectations. AI-driven investment, resilient growth and evolving policy dynamics a...
09/30/2026

The global economy continues to defy expectations. AI-driven investment, resilient growth and evolving policy dynamics are reshaping the investment landscape, creating both opportunities and new risks for investors.

The 3Q Global Market Perspectives from Principal Asset Management℠ explores how these forces are influencing markets and what they could mean for portfolio positioning in the months ahead.

https://livesocial.seismic.com/aDRHcE

The Federal Reserve has officially begun a new tightening cycle, raising rates 25 bps at its September meeting and signa...
09/30/2026

The Federal Reserve has officially begun a new tightening cycle, raising rates 25 bps at its September meeting and signaling that policymakers remain concerned about persistent inflation.

While economic growth and labor markets continue to show resilience, the latest projections suggest inflation may take longer to return to target than previously expected. The result is a higher-for-longer rate environment that is becoming increasingly embedded in the policy outlook.

Get the details in the latest market response from Principal Asset Management℠: https://livesocial.seismic.com/aER8PB

529 plans now cover more K–12 expenses—from tutoring and testing to digital learning—expanding how families can fund edu...
09/30/2026

529 plans now cover more K–12 expenses—from tutoring and testing to digital learning—expanding how families can fund education earlier.

https://livesocial.seismic.com/aLEuzW

August hiring was stronger than expected, showing the job market is still holding up well. More industries added jobs, u...
09/30/2026

August hiring was stronger than expected, showing the job market is still holding up well. More industries added jobs, unemployment stayed steady, and pay growth cooled slightly. That suggests the economy remains on a solid footing, with no signs that wages are pushing prices much higher. For the Fed, the next inflation report will likely be the bigger factor in deciding whether to raise rates in September.

https://livesocial.seismic.com/aUgMh3

When was the last time your pension data was reviewed? Even small gaps in participant records can increase costs, creat...
09/11/2026

When was the last time your pension data was reviewed? Even small gaps in participant records can increase costs, create administrative complexity and add risk. Explore the signs your data may be holding your plan back and how addressing them early can help position your plan for future decisions.
https://livesocial.seismic.com/ambtIb

One thing I've seen consistently with financial professionals is that a life insurance conversation often opens the door...
09/11/2026

One thing I've seen consistently with financial professionals is that a life insurance conversation often opens the door to bigger planning discussions.
Conversations that start with protection can often lead to discussions around business continuation, succession planning, executive benefits, and personal coverage needs.
Comment below👇if you'd like conversation starters, client-facing resources, or planning ideas for Life Insurance Awareness Month.
https://livesocial.seismic.com/aXKeMs

Strong benefits outcomes rarely happen in isolation. The most successful programs often share one thing in common: stron...
09/11/2026

Strong benefits outcomes rarely happen in isolation. The most successful programs often share one thing in common: strong collaboration among employers, financial professionals, and benefits professionals. 🤝

In this recent benefits discussion, one of our clients shares a powerful story about how simple communication between professionals positively impacted an employee fighting breast cancer:
https://livesocial.seismic.com/awfPmq

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500 Ygnacio Valley Road , Suite 270B
Walnut Creek, CA
94596

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