The MWA Report
Winter 2021
Dear Clients and Friends,
With a great sigh of relief, we can finally say that hindsight really is 2020. However, the race to vaccinate millions before more contagious Covid-19 strains spread leaves room for more uncertainty in the days ahead. The biggest personal finance lesson from 2020 is the importance of comprehending and managing risk. We should ask ourselves: Are we covered in case someone becomes disabled? Do we need long-term care insurance to protect our assets in retirement? Is our life insurance structured correctly and do we have enough in case of death? Is our estate plan up-to-date, including advanced health care directives and durable powers of attorney? Fortunately, we are uniquely trained to offer you a wide range of risk mitigation strategies in the context of your investments, insurance and estate planning.
I hope you enjoy this edition of our digital newsletter, where you’ll find our end-of-year economic commentary, briefing on a recent tax change affecting permanent life insurance and an exciting update on our newest team member. I wish you and your family a healthy and prosperous 2021.
Economic Commentary
At the wrap up of 2020, many stocks saw new peaks.
Three factors may lead to greater clarity in markets in 2021.
Bill's Brief
Tax Change Will Benefit Life Insurance

A new tax change increases the amount that owners can pay into their life insurance policies.
What's Happening With Our Team?
Rotary Club Food Drive
In December, Bill and his wife Tanya participated in a Christmas Food Drive for Boca Helping Hands. The service project was sponsored by Bill’s rotary club.
“By posting a flyer to my neighborhood’s Facebook page, I informed my neighbors that, if they could not attend our Food Drive, they could drop off their donation at my doorstep. Guess what?! I ended up with a truck-load of donations from my neighbors!”

Bill Miller, Managing Partner
Welcome to the Team!
Erin Sabin, Associate Planner

In November, we welcomed Erin Sabin to Miller Wealth Advisors. Erin is a registered representative, holding her Series 7 and 66. She earned a bachelor’s degree in Finance and Accounting from the University of Miami. Prior to joining us, she developed her foundational training at a larger financial services company in North Carolina. Erin began her career creating financial strategies for several big-box retailers, including HomeGoods, Macy’s, and the southern department store, Belk. In her spare time, she loves to travel (pre-COVID) and can often be found outdoors, kayaking, snorkeling, and scuba diving. She is also active in a local nonprofit called Second Chance Initiative, whose mission is to create job opportunities for women. We know you will enjoy working with Erin.
Happy Graduation!
Krystjana Dlutowski, Client Service Associate

We are so proud of our intern Krystjana for graduating magna cum laude with a bachelor's degree in Finance from Florida Atlantic University.

We first met Krystjana at a career fair hosted by Florida Atlantic University. At that point, she was at the onset of entering her core Finance classes. Shortly thereafter, a global pandemic hit, leaving the stock market devastated. Krystjana showed her flexibility and aptitude for learning as she took on new challenges and adapted to situations that she could not have predicted when she first took on her role, all while completing her undergraduate studies. We have had the privilege of seeing her grow and flourish in her client service position. She has truly become a vital member of the team.
Securities offered through Valmark Securities, Inc. Member FINRA, SIPC
Investment Advisory Services offered through Valmark Advisers, Inc., a SEC Registered Investment Advisor 130 Springside Drive, Suite 300, Akron, OH 44333 Tel 800-765-5201
Miller Wealth Advisors, LLC is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc. 
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Miller Wealth Advisors
Office: 561-613-0130
Fax: 561-613-0128

1001 W. Yamato Rd
Suite 306
Boca Raton, FL 33431
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