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 ap

proach 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

Markets have historically responded more to changes in growth, earnings and inflation than to the outcome of U.S. electi...
09/09/2026

Markets have historically responded more to changes in growth, earnings and inflation than to the outcome of U.S. elections.

While midterms can influence sentiment by resolving political uncertainty, the longer-term path for markets has typically been determined by fundamentals.

Explore the policy implications investors should be watching heading into November: https://livesocial.seismic.com/aiEyXl 2

Twenty years after the Pension Protection Act transformed retirement plan participation and savings, the conversation is...
09/09/2026

Twenty years after the Pension Protection Act transformed retirement plan participation and savings, the conversation is evolving. Lance Schoening, director of policy at Principal®, discusses what's next for retirement readiness and how the focus is shifting toward retirement income, personalized guidance and greater financial confidence.
https://livesocial.seismic.com/aub62A

Treasury buybacks may improve liquidity, but they won't solve a structural term premium problem. As fiscal deficits, deb...
09/08/2026

Treasury buybacks may improve liquidity, but they won't solve a structural term premium problem. As fiscal deficits, debt issuance, and competition for capital increase, investors are demanding greater compensation to hold long-term bonds.​

Read the latest thoughts from Principal Asset Management on what's driving yields higher and what it means for markets: https://livesocial.seismic.com/aoZSAX

Fully funded plans may present new opportunities and decisions for defined benefit (DB) plan sponsors. Find the latest i...
09/04/2026

Fully funded plans may present new opportunities and decisions for defined benefit (DB) plan sponsors. Find the latest insights on managing risk, maintaining funded status, and planning for what's ahead.

https://livesocial.seismic.com/av9nM3

09/04/2026

apnews.com

Talking about benefits should be a year-round conversation, not a one-and-done email right before enrollment season. Mee...
09/03/2026

Talking about benefits should be a year-round conversation, not a one-and-done email right before enrollment season. Meeting employees where they are with timely, relevant education can make a meaningful difference in understanding and engagement. 📨

If you're hearing this from clients, these communication strategies are worth a look:
https://livesocial.seismic.com/a4shd6

Principal® Benefits Edge Solution connects employees, HR, and key service providers through seamless data sharing. Insur...
09/03/2026

Principal® Benefits Edge Solution connects employees, HR, and key service providers through seamless data sharing. Insurance carriers and TPAs receive weekly electronic feeds with demographic and enrollment updates. Payroll systems also receive weekly updates to reflect deduction changes—helping streamline benefits administration across multiple carriers.
https://livesocial.seismic.com/ai1jVH

09/02/2026

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

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