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The Power of
Good Financial Advice

Count on our expert financial associates to help you to better understand your financial situation and create wealth.

Mills & ASSOCIATES Financial Group performs Financial Planning, Retirement Planning and Legacy Strategies utilizing Life Insurance, Tax Sheltered Annuities, Disability Income, Index Universal Life, and Term Insurance. 
About Us

ABOUT US

Who We Are

Mills & ASSOCIATES Financial Group (MAFG) is an independent financial service marketing company based out of Atlanta, Georgia. Since our inception, we are dedicated to meeting the needs of families by helping to create wealth, financial security, and generational wealth.

We are proud to be an independent life insurance agency that offers a broad array of life insurance products, retirement accounts, and wealth accumulation strategies, as we find the means to enable families to effectively create, protect, and transfer wealth.

Our goal is to take an educational approach and deliver our knowledge to people from all walks of life. Our firm does not require a certain net worth or a minimum investment to get started.  We will provide you with a customized no obligation complimentary financial strategy for anyone who needs help or feels they are being overlooked by the traditional financial industry. 

Mills & ASSOCIATES Financial Group works with the top 20 life insurance companies in America along with a team of partners who bring expertise, value and service beyond expectation. With many different financial strategies, our associates walk their clients through a six-step process to help them address financial goals and solutions.  Whether the goal is saving for retirement, preparing for a child’s education, getting out of debt or passing on a legacy, Mills & ASSOCIATES Financial Group partners work with clients to help them move from dreaming to doing.

For entrepreneurial-minded individuals looking to grow wealth on their terms, our turnkey system and experienced leadership can help you build your own business through supporting the needs of others. We help make the dream of financial independence possible for all those in our communities across the United States.

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ABOUT US

Kevin G Mills, Financial Consultant

Kevin G Mills, CEO and Principal

Mills & ASSOCIATES Financial Group

 

Kevin G. Mills is a long time high-integrity Financial Consultant and Independent Broker on the Leadership Council of American Classic Agency.  

 

He’s been involved in financial services since the 1970’s and possesses expertise in financial planning, individual and business protection plans, retirement planning, wealth building, and estate planning with families across the U.S.

His business acumen for over four decades has led him through a robust career working in a variety of industries that included broadcasting, non-profits, automobiles, fitness, mortgages, event planning, consulting, the Green Industry and financial services.

 

Throughout his career serving both public and private clients, Kevin has extensive experience in helping families and small businesses with the fundamentals of proper financial planning, business group benefits, and succession.  He also teaches and trains groups, and brethren insurance agents on financial literacy and how to properly utilize needs analyses and life insurance products. He also assists clients with estate planning and tax shelters. 

 

Kevin majored in Political Science, minored in

Business and received a Bachelor's degree from

the University of the District of Columbia.  He

also earned a PMP Certification from the Project

Management Institute. Attended sales, manage-

ment and leadership trainings from the Dale

Carnegie Institute, Tony Robbins Leadership

Academy, Brian Tracy Sales Training and has

had various insurance and investment trainings.  

Kevin puts in relentless work with many Atlanta community non-profits

and ministries namely; Africa’s Children’s Fund, Jus’ Blues Music Foundation, United Way of Greater Atlanta Volunteer Involvement Program, Hands on Atlanta, Habitat for Humanity, Operation Hope, Atlanta Women’s Foundation, American Cancer Society, GreenSHADES and several others.

 

I am dedicated to learning about your long term personal and financial goals so we can create a plan focused on your specific needs and what is best for you, your family and your financial situation. 

KG Mills Golf Swing
Our Mission

Our Mission is to help create wealth for families, understand your financial situation, and provide you with information and products

to help you reach your financial goals.         

 

We are committed to maintaining a quality level of: 

        SERVICE   INTEGRITY   PROFESSIONALISM

Our Vision

Our Vision

We see a world where everyone is financially literate and has access to the tools and support they need to create a better life for themselves and their families.

Mills & ASSOCIATES Think Retirement
Schedule An Appointment

Meet Your Agent

Our Mission

SERVICES

What We Do

Black Family

Mills & ASSOCIATES Financial Group specializes in family and business protection, mortgage protection, debt elimination, retirement planning, and wealth building. With your input and assistance, together we develop a customed, personalized financial needs analysis that we walk clients through step-by-step that will help make you feel confident in your decisions.

Click to view this helpful video - Building A Financial Foundation 

8 Steps To Make A Financial Plan

Once your goals have been established, our financial professionals will customize appropriate strategies to suit your vision and objectives. We provide a wealth of resources for families and individuals and offer personal and business solutions to help you execute a sound financial plan.

 

Personal Solutions                                               Business Solutions                       

Individual Financial Services                                                          Key Personnel Coverages

Life & Health Insurance Protection                                               Executive Compensation Programs

Retirement Income Planning                                                         Retirement Plan Solutions

Long-Term Care                                                                              Employee Benefit Programs

Legacy Strategies                                                                           Business Continuation Programs

Tax Advantaged Products                                                              Group Insurance Benefit Plans

College Funding Plans

Mortgage Protection

Life insurance has benefits beyond easing the financial burden on family during a difficult time

6 Steps To Financial Freedom

Mills & ASSOCIATES Financial Group is committed to helping people pursue their financial goals. We provide

a wealth of resources for Individuals and Families, Small, Medium and Large Businesses as well as Professional Athletes and Celebrities.

As financial professionals, WHAT WE DO is help people to achieve financial independence through them better understanding How Their Money Works and how We can help it work better for them. We go over 6 major areas

that people need to know and have together in order to achieve financial independence.

6 Steps To Financial Independence

A LIFE INSURANCE POLICY CAN DO MUCH MORE
THAN LIFT A BURDEN OFF YOUR FAMILY DURING
A VERY EMOTIONAL TIME.

PRODUCTS

SELECT, PROTECT, RESPECT and EXPECT

Living Benefits

In addition to the death benefit, some plans provide “LIVING BENEFITS” which provide monies during sickness if you ever become critically ill, critically injured, chronically ill or even terminally ill.

Strength in Selection

Mills & ASSOCIATES Financial Group has strategic relationships and selling agreements with some of the most respected, well recognized names in the financial services industry.  Our clients have the Power of Choice

of some great financial products and services that they can select to protect the family and achieve lifelong respect.  You can expect us to give you our best financial advice and client service. 

We offer Strength in Selection with some great money products like:

                                            Insurance (Permanent & Term)                                   Index Universal Life

                                            Health Insurance                                                         Disability Income Protection

                                            Long Term Care                                                           Annuities (Fixed and Indexed) 

                                            IRA’s/ROTH IRA’s                                                         401K/403B Company Plans

We can engineer a no obligation comprehensive financial strategy for anyone. Please call us if you have any questions about our firm or the range of financial products and services we provide. 

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CAREER OPPORTUNITIES

Join Our Team at Mills & ASSOCIATES

Mills & ASSOCIATES Financial Group would like to introduce you to the many opportunities for new people to start a career in the financial services industry.

Our innovative business model enables entrepreneurs to succeed together through a turnkey system and a commission structure that encourages mentorship and teamwork. Join ACA today and be part of the thousands of independent professionals across the United States helping individuals and families protect what matters most to them.

 

The professionals of Mills & ASSOCIATES Financial Group upon being properly licensed, are independent contractors associated with American Classic Agency, LLC.

Financial Consultants

The Need for Agents Has Never Been Greater

 

Just about everyone is concerned about their finances today as well as their financial future because we all need money to live and enjoy life.  Though the financial services industry is large, there are not enough representatives to talk with people about solutions for fulfilling their lifelong financial dreams.

 

As a long-term leader of providing life insurance, living benefits, and savings solutions, we teach and preach financial literacy as our goal is to erase and help families to build and protect wealth. American Classic Agency "ACA" provides financial associates with the products, tools, and infrastructure they need to put clients first. 

 

Our financial associates gain the training, support and freedom to build their own life insurance agencies. 

 

Click the link below to watch the video regarding our extraordinary opportunity to get into the financial services industry as an agent of change teaching financial literacy and solving generational wealth problems for families across America.  After the video, definitely contact Kevin Mills for more information about our full time and part time career opportunities.

Click the link below:

https://register.gotowebinar.com/recording/3813211217202914048

Ben Bernanke Quote

RESOURCES

Financial Topic Articles

Welcome to our Resource Center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Estates & Trusts

What Key Estate Planning Tools Should I Know About?

Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

How Can a Living Trust Help Me Control My Estate?

A living trust can help control the distribution of your estate upon death.

 

What Are the Pitfalls of Probate?

The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

 

How Can My Gift Benefit Me and the Charity?

To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.

 

How Can I Build and Preserve My Estate?

Life insurance can be used to help preserve the value of your estate for your heirs.

 

How Can I Control the Distribution of My Estate?

If you haven't taken steps already, consider planning now for the distribution of the assets of your estate.

 

How Will I Pay Estate Taxes?

If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.

 

Can I Benefit from an A-B Trust?

An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.

 

What Gifting Strategies Are Available to Me?

Compare the advantages and disadvantages of different gifting strategies available for planned giving.

 

How Can I Benefit from a Charitable Lead Trust?

Charitable lead trusts are designed for people who would like to benefit a charity now rather than later.

 

How Can I Benefit from a Charitable Remainder Trust?

A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.

 

How Can I Benefit from a Wealth Replacement Trust?

A wealth replacement trust could be used to gift appreciated assets to a charity as well as provide for heirs.

Cash Management

What Are Some Tips for Managing My Money?

A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

 

How Long Will It Take to Double My Money?

Before making investment decisions, it is helpful to determine the real rate of return on the investment.

 

What Cash Management Tools Are Available?

Short-term cash management instruments can help you establish a sound cash management program.

 

How Do Money Market Mutual Funds Work?

Money market funds can be a highly liquid and effective cash management tool.

 

How Can I Better Manage My Short-Term Cash?

There are numerous investment alternatives available to help provide liquidity.

 

What Advantages Does a Biweekly Mortgage Offer?

Biweekly mortgage payments can have a dramatic effect on the amount of interest homeowners have to pay.

 

What Is a Reverse Mortgage?

There are techniques that can enable older homeowners to use their property to finance their lifestyle.

 

What Are Some Smart Ways to Refinance?

Here are some smart ways to refinance your home.

 

What About Financial Aid for College?

It's important to understand the options, such as financial aid grant programs, when having to pay for college.

 

What Savings Alternatives Are Available?

There are a number of savings alternatives that could help you earn a reasonable rate of return.

 

How Does Inflation Affect Me?

Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.

 

Is a Home Equity Loan or Line of Credit Right for Me?

Shifting some debt to a home equity loan, which typically allows interest payments to be tax deductible, could have its advantages.

Tax Planning

What Is the Capital Gain Tax?

Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

 

What Is the Estate Tax?

Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.

 

What Is the Gift Tax?

The federal gift tax applies to gifts of property or money while the donor is living.

 

How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

 

What Is a Required Minimum Distribution?

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

 

What Are the Tax Benefits of Charitable Trusts?

For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.

 

When Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

 

What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½

Tax-deferred retirement account withdrawals before age 59½ generally triggers a 10% federal income tax penalty.

 

What Is Tax Deferral?

There can be a substantial benefit to deferring taxes as long as possible.

 

How Can I Benefit from Tax-Advantaged Investments?

Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.

 

What Tax Deductions Are Still Available to Me?

Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.

 

What Tax-Advantaged Alternatives Are Available?

While stable, CDs can create an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.

 

What Is the Most Tax-Efficient Way to Take a Distribution From a Retirement Plan

Consider a trustee-to-trustee transfer to an IRA versus a lump-sum distribution from a workplace retirement plan.

 

Is There Such a Thing as a Tax-Free Investment?

It's important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

 

How Can I Keep More of My Mutual Fund Profits?

Want to keep more of your mutual fund profits? You may be interested in strategies to help lower your tax liability.

 

How Can I Upgrade My Insurance — Tax-Free?

A 1035 exchange allows you to exchange your life insurance policy for one from another company without tax liability.

 

What Is the Tax History of the United States?

United States tax law is a constantly changing landscape. The latest major piece of tax legislation is the Tax Cuts and Jobs Act of 2017.

Risk Management

Why Purchase Life Insurance?

If you have a family who relies on your income, it is important to have life insurance protection.

 

Why Are Annuities Considered an Insurance Product?

An annuity is a contract between you and an insurance company to pay you future income in exchange for premiums you pay.

 

What Is Property and Casualty Insurance?

Property and casualty insurance can help protect a variety of assets. Find out what it does and doesn’t cover.

 

Do I Need a Business Owner Policy?

A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.

 

What Is Life Insurance for Business Owners?

Company-owned life insurance is one way to help protect a business from financial problems caused by the death of a key employee.

 

What Is Split-Dollar Life Insurance?

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

 

What Is Last-Survivor Life Insurance?

Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.

 

What Is Disability Income Insurance for Business Owners?

As a business owner, a disability can create an economic hardship putting both your personal finances and business at risk.

 

What Is Term Life Insurance?

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

 

What Is Whole Life Insurance?

Some of the pros and cons of whole life insurance.

 

What Is Universal Life Insurance?

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

 

What Is Variable Life Insurance?

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

 

How Can I Maximize My Insurance Benefits?

Several factors could undermine the financial security provided by the proceeds of your life insurance policy.

 

How Can I Insure My Future?

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

 

How Can I Protect My Home?

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

 

Do I Need Disability Income Insurance?

Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

 

Am I Prepared for Long-Term Care Expenses?

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

 

What Does Medicare Cover?

Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?

RESOURCES

FLIPBOOKS

This magazine-style flipbook provides helpful information on a variety of financial topics and illustrate key financial concepts. Click on the book to turn the pages.

Financial Management Insight:

Strategies to Help Build Your Future

 

 

 

 

The decisions you make about money form the basis for your financial future and can help you pursue your goals.  Click on the book to turn the pages.

Financial Management Insite booklet

Understanding Social Security and Medicare:

America’s Retirement Safety Net

 

 

 

Social Security and Medicare rules can be complex. To help maximize benefits, it pays to understand your options. Click on the book to turn the pages.

Understanding Social Security & Medicare booklet

RESOURCES

Financial FAQ's

How much does life insurance cost?

Most people overestimate the cost of life insurance by 300% or more. The cost varies based on your unique situation. The biggest factors that can affect your premium include your coverage amount, term length, age, health status, and tobacco use. The sooner you buy, the sooner you’ll lock in your lowest premium—and save the most money in the long run.

» Learn more: Life Insurance 101 (PDF) | The cost of waiting (PDF)

What if I already have life insurance through my employer?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of what most families need. And if you leave your job, that coverage usually ends. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.

» Learn more: Life Insurance 101 (PDF)

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill.

» Learn more: Life Insurance 101 (PDF)

What’s the difference between term and whole life insurance?

Term life insurance uses premiums to cover you for the determined “term” of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage. Whole life insurance lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.

» Learn more: Term Life Insurance (PDF) | Whole Life Insurance (PDF)

Do insurance companies offer a free look period?

Yes. Our application is non-binding, 100% free, and it won't affect your credit score. Additionally, each policy has a 7-day free look period. If you cancel the policy within the first 7 days, you will receive a full refund of premium paid. After 7 days, you may cancel your policy at any time without cancellation fees.

What does life insurance cover?

Your life insurance can help cover some of life's biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it's up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free.

» Learn more: Do I need life insurance? (PDF) | Life Insurance 101 (PDF)

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Testimonials

TESTIMONIALS

Our dedication to providing the best possible service to our clients is unmatched. But don't take our word for it, here are just a few of the testimonials we have received from satisfied customers.

KG Mills Testimonial

CONTACT

Kevin G Mills

Kevin G Mills

Mills & ASSOCIATES Financial Group

Phone       540-596-4557

Mobile      404-903-5908
Email        Kevin@MillsAssociatesFinancial.com

Web         MillsAssociatesFinancial.com

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Atlanta, GA

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DISCLAIMER

 

We are currently servicing the following states:  GA, FL, DC, MD, VA, AL and plan to offer more locations soon. Contact us today to schedule an appointment. We’ll be happy to serve you.

 

Please consult your licensed financial professional, attorney, accountant, and and/or tax advisor for advice concerning your particular circumstances.  The generalized information we provide regarding tax minimization planning is not intended to and cannot be used by anyone to avoid paying federal, state, or local municipality taxes or penalties.

 

Any references to annuity guarantees and optional lifetime income rely on the financial strength and claims-paying ability of the issuing insurance company.

 

Mills & ASSOCIATES Financial Group only provides services in states where they are licensed, meaning coverages may not be available in all states.  All insurance products are governed by the terms in the applicable insurance policy, and all related decisions such as approval for coverage, premiums, commissions, and fees and policy obligations are the sole responsibility of the underwriting insurer.  The information on this site does not modify any insurance policy terms in any way.

© 2024 Mills & ASSOCIATES Financial Group, LLC

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