Millard Financial Group

08/26/2026

08/26/2026

Last week we were absolutely honored to be a sponsor for this year’s Forgotten Children Worldwide Golf Outing! Our team had a fantastic time stepping away from the office to volunteer at the event and play some golf. ⛳

08/18/2026

🚨 Social Security is facing a major deadline. A new Trustee's report projects the trust fund could be depleted by 2032… which may mean benefit cuts of up to 22%. 📉 So what does that actually mean for you?

In this conversation, Josh Millard with Millard Financial Group and Kennedy break down:
👉 Is Social Security really “going away”?
👉 Should you claim early at 62?
👉 What changes could be coming from Washington
👉 How to plan now so you’re not caught off guard

The bottom line: Social Security isn’t disappearing, but relying on it alone could leave a gap in your retirement income. To understand what’s ahead, and how to prepare, give Josh a call at 260.488.8300 or visit www.MillardFG.com

08/13/2026

Congratulations to Mikhayla and Grant on getting married this past week!! 💕 We are so happy for you both and wish you a lifetime filled with love, laughter, happiness, and lots of wonderful memories together. Cheers to the newlyweds! 🥂💍💕

08/10/2026

A huge thank you to all of our incredible clients who joined us at Parkview Field for our Client Appreciation Event at the TinCaps games the last few weeks. We had an absolute blast catching up, eating great food, and watching the game together.

An extra special thank you to everyone who brought along friends, family, and referrals. Your trust and support mean the world to our team, and we love getting to know the people you care about.

We are so grateful for your continued partnership. If you missed out this time, don't worry—we already cannot wait to see everyone again next year!

08/07/2026

Markets navigated mixed signals in July. Inflation eased, tech faced pressure, and energy surged. Meanwhile, Americans are planning record travel spending in 2026: \$1.37 trillion. What's shaping your household budget this summer?

Monthly Market Insights | August 2026 U.S. and Canadian Markets Stocks were mixed in July as investors navigated a cross-current of news on the outlook for AI spending and Q2 corporate reports. The Dow Jones Industrial Average led, adding 0.32 percent. The Standard & Poor’s 500 Index edged down 0....

07/21/2026

💡 IRMAA Explained: The Hidden Medicare Cost That Could Catch You Off Guard

When it comes to Medicare, most people focus on coverage… but not enough attention is paid to what you’ll actually pay.

As Josh with Millard Financial Group explains to Erin Kennedy, if you’re considered a “high-income beneficiary” by the Social Security Administration, you could be hit with an extra charge called IRMAA (Income-Related Monthly Adjustment Amount)… and it can significantly increase your Medicare Part B premiums.

Here’s what you need to know 👇
✔️ How high is “high-income”?
Even a modest increase in income can push you into a higher bracket.
✔️ It’s a cliff, not a slope
Go just $1 over the threshold, and you could pay hundreds more per year in premiums.
✔️ One-time events can trigger it
Selling a home, taking an RMD, Roth conversions, or realizing large capital gains can unexpectedly spike your income.
✔️ Planning is everything
Strategies like Roth conversions, Health Savings Accounts (HSAs), and Qualified Charitable Distributions (QCDs) can help reduce or even avoid IRMAA.

The bottom line: Without careful planning, you could end up paying more for Medicare than necessary.

📞 Want to make sure IRMAA doesn’t catch you off guard? Call Josh at 260.488.8300 or visit www.MillardFG.com to put a plan together that could save you thousands in health insurance.

07/08/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Quarterly Market Insights | July 2026 U.S. and Canadian Markets Stocks saw solid gains in the second quarter, riding a wave of enthusiasm over upbeat economic reports, ongoing diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The Standard & Poor’s 500 Index rose 14...

07/07/2026

💸 Expecting a Windfall? How to Make Sure Your Inheritance Doesn’t Disappear

A shocking stat from ThinkAdvisor: 👉 42% of heirs lose their inheritance within just ONE year. The average amount? 💰 $133,000 — gone.

So what’s really going on here? And more importantly… how can families avoid it? 🎯

In this interview, Josh Millard with Millard Financial Group and Erin Kennedy break down:

• Why inheritances are spent faster than other financial windfalls
• The biggest mistakes families make when passing down wealth
• Smart strategies to help ensure your legacy actually lasts

Receiving an inheritance often comes with more than just financial decisions... it can carry real emotional weight. The best way to protect your family and make thoughtful choices is to have a plan in place ahead of time. Connect with Josh at 260.488.8300 or visit www.MillardFG.com to start building a strategy that supports your family’s future.

06/25/2026