Millard Financial Group

10/15/2026

Josh spent last week in Scottsdale attending Brookstone Capital Management's Annual Conference. During his time there, he gained valuable insights into current economic trends, new product developments, and innovative strategies to better serve our clients.

Of course, he also found time to enjoy a little golf while taking in the beautiful Scottsdale weather!

10/14/2026

Medicare can be complicated and there's a lot that goes into determining exactly what YOU need.

In this interview, Josh Millard with Millard Financial Group and Erin Kennedy break down the basics and answer some of the most common questions, including:

📅 When Medicare starts and the deadlines you need to keep in mind
🏥 The difference between Medicare Parts A, B, C and D
🔄 What to know before switching plans during Open Enrollment
⚖️ Medicare Advantage vs. Medicare Supplement plans
💡 How to determine which type of coverage may be right for you

Whether you’re approaching Medicare for the first time or considering a change to your current coverage, understanding your options can help you avoid costly mistakes and make informed decisions about your healthcare in retirement. For that reason, Mikhayla at Millard Financial Group is dedicated to helping you determine which plan is in your best interest.

To sit down with Mikhayla for a complimentary conversation, please call 260.488.8300 or visit www.MillardFG.com

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Quarterly Market Insights | October 2026 U.S. and Canadian Markets Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials. The Standard & Poor’s 500 Index gained 2.03 percent, while the Nasd...

09/29/2026

🏡💰 Thinking about paying off your mortgage before retirement? Not so fast…
Going into retirement debt-free sounds like the dream, but should you tap your retirement savings to make it happen?

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

✅ When it does make sense to pay off your mortgage
⚖️ How to balance the numbers vs. peace of mind
🚨 Why pulling from retirement accounts could backfire
📈 The hidden risks: taxes, reduced liquidity, and even higher Medicare premiums

Bottom line: A paid-off house feels great… but the strategy behind it matters even more. Before you write that final check, give Josh a call at 260.488.8300 or visit www.MillardFG.com

09/16/2026

Retirement Readiness Checklist: 5 Steps to Prepare for the Next Chapter

Retirement readiness isn’t just about how much you’ve saved... it’s about how you want to live.

In this conversation, Josh Millard with Millard Financial Group and Erin Kennedy break down a simple, 5-step checklist to help you prepare for your next chapter:

✔️ Define what retirement actually looks like for you
✔️ Take stock of your financial and personal assets
✔️ Prioritize your health (it affects more than you think)
✔️ Build a realistic retirement budget
✔️ Decide when to claim Social Security

The earlier you start planning, the more freedom you have to actually achieve your goals. If you'd like to talk with Josh to start building a retirement plan that aligns with your life, not just your balance sheet, feel free to give him a call at 260.488.8300 or visit www.MillardFG.com

09/04/2026

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

Monthly Market Insights | September 2026 U.S. and Canadian Markets Renewed enthusiasm for AI pushed stocks higher in August as investors looked past mixed economic signals. The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial...

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! 🥂💍💕