Business Details
Your Family Fiduciary for Holistic Financial Planning
Millares & Co Pa Llc operates as a family fiduciary firm with over three decades of experience providing holistic financial solutions. Founded by Maria R. Millares & Co Pa Llc, CPA, the firm has grown to include her sons Ruben and Javier, who bring expertise in tax planning, wealth management, and estate planning. Our team of Certified Public Accountants, Certified Financial Planners, and attorneys delivers personalized financial strategies grounded in academic research and Nobel Prize-winning theories. We adhere to a fiduciary standard, ensuring client interests always come first, and maintain transparent fee-only pricing without commissions.Client assets are held by third-party custodians like Charles Schwab and Fidelity for security. Our commitment extends beyond finance through community initiatives, including long-term support for Feeding South Florida and Lotus House Womens Shelter. We combine technical expertise with ethical practices to help clients achieve financial well-being.
Services
Wealth Management
Tax Planning
Estate Planning
Retirement Planning
Education Planning
Investment Portfolio Design
Charitable Planning
Wealth Transfer
Risk Management
Asset Allocation
Highlights and features
- We are held to the fiduciary standard of care with client interests always first
- Transparent fee-only pricing with no commissions for investment recommendations
- Client assets held by trusted third-party custodians like Charles Schwab & Fidelity
- Advice based on Nobel Prize-winning academic research and evidence-based investing
- Multi-generational family team with combined expertise in tax, legal, and wealth planning
Services
Wealth Management
We design customized investment portfolios aligned with your financial goals and risk tolerance. Our evidence-based approach combines tax-efficient strategies with Nobel Prize-winning theories. Ongoing monitoring ensures disciplined execution through market fluctuations.
Tax Planning
Our CPA-led team minimizes lifetime tax exposure through strategic planning. We integrate tax considerations with investment decisions to maximize after-tax returns while maintaining compliance with evolving regulations.
Estate Planning
We create comprehensive estate plans to ensure orderly legacy distribution. Services include wills, trusts, and advanced directives that minimize taxes while preserving family wealth across generations.
Retirement Planning
We develop retirement income plans using employer-sponsored plans, IRAs, and other vehicles. Our analysis considers Social Security optimization, healthcare costs, and sustainable withdrawal strategies for long-term financial security.
Education Planning
We help families prepare for education expenses through 529 plans, custodial accounts, and Roth IRA strategies. Our approach balances college savings with retirement planning priorities while maximizing tax advantages.
People
Maria R. Millares
Co-Founder
40+ years of wealth and tax advisory experience. B.A. from Florida State University. Board member at Lotus House Womens Shelter. CPA and PFS credential holder.
Ruben M. Millares
Co-Founder
20+ years of experience in wealth management. CPA, CFP, and PFS credentials. Masters in Taxation from University of Miami. Board member of University of Miami Citizens Board.
Javier M. Millares
Wealth Advisor
17+ years in estate planning. Former probate attorney. J.D. from St. Thomas University. Specializes in integrating legal frameworks with financial strategies for high-net-worth clients.
Questions
What services does Millares & Co Pa Llc offer?
We provide comprehensive wealth management, tax planning, estate planning, retirement strategies, and education funding solutions tailored to individual financial goals.
Are you legally required to act in my best interest?
Yes, as fiduciaries we are legally obligated to prioritize client interests above all else in every financial recommendation we make.
How are your fees structured?
We operate a transparent fee-only model based on a percentage of assets under management with no commissions or hidden charges.
How do you ensure investment safety?
Client assets are held by independent third-party custodians like Charles Schwab & Fidelity, with regular performance monitoring and tax optimization.
What makes your approach unique?
Our family team combines CPA, CFP, and legal expertise with personalized service, using Nobel Prize-winning theories for evidence-based financial planning.
