Sara Mills-Gaines, Financial Advisor

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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

Principal is a proud sponsor of the Pensions & Investments Defined Contribution West Conference. Join Don Stroube, senio...
10/23/2026

Principal is a proud sponsor of the Pensions & Investments Defined Contribution West Conference. Join Don Stroube, senior product consultant – investments, for a discussion on how plan sponsors are evaluating stable value, guaranteed income, and other retirement income solutions to support participants' transition from saving to spending.

10/23/2026

Growing businesses don't have to settle for limited benefits. Hear how one employer worked with Principal® to offer benefits comparable to those offered by larger companies, helping support employee retention while delivering a great benefits experience.

businesses don't have to settle for limited benefits. Hear how one employer worked with Principal® to offer benefits comparable to those offered by larger companies, helping support employee retention while delivering a great benefits experience.

10/22/2026

Higher interest rates, rising bond yields and geopolitical uncertainty were all expected to weigh on growth.

Instead, resilience has been one of the defining themes of this cycle.

Strong household balance sheets, healthy corporate profits and continued investment have helped support economic activity despite a series of headwinds. At the same time, investors are navigating questions around earnings growth, higher yields and what a more investment-driven economy could mean for markets going forward.

See what's driving economic resilience and the key themes investors should be watching: https://www.principalam.com/us/insights/macro-views/global-market-perspectives-4q-2026?utm_medium=socialselling&utm_source=socialchannel&utm_term=livesocial

If you're evaluating benefits providers, don't overlook the technology experience. From onboarding and administration to...
10/20/2026

If you're evaluating benefits providers, don't overlook the technology experience. From onboarding and administration to claims and employee support, Principal® offers digital tools designed to make benefits easier to manage and use.

Explore what's possible.


https://livesocial.seismic.com/aiFPhA

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

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

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