Free Masterclass Reveals 2025 Year-End Finance Tips and 2026 Mortgage Rate Predictions
Mills Wealth Advisors, LLC, a Southlake, Texas-based SEC-registered investment adviser, is hosting a free online masterclass on November 14, 2025. The event, titled 'Mortgages and Money: 5 Money Tips to Finish Out 2025 and Where We Think Mortgage Rates are Headed in 2026', will be presented by Stephen Nelson, CFP®, CEPA®, AIF®, and Tracy On, PMP®, CSM®. The masterclass will discuss year-end financial planning and the impact of mortgage rates on household planning.
The masterclass will cover practical actions households can take before December 31 to strengthen their 2026 financial position. This includes aligning retirement plan deferrals with the 2025 limits. The 401(k) and 403(b) deferral limit for 2025 is $23,500, with a $1,000 catch-up for those aged 50 and older. Additionally, the IRA contribution limit for 2025 is $7,000, with a $1,000 catch-up for those aged 50 and older. The session will also cover required minimum distributions (RMDs), which most account owners begin at age 73.
Investors are reminded to complete time-sensitive actions, such as realizing capital losses or finalizing charitable gifts, by December 31 for them to count in the current tax year. Qualified charitable distributions from IRAs remain available beginning at age 70½, subject to annual limits indexed for inflation.
The masterclass, hosted by Mills Wealth Advisors, LLC, aims to provide households with valuable insights and practical tips for their year-end financial planning. With approximately $430 million in assets under management, the firm serves businesses, individuals, and families, offering expertise in various financial aspects. The event is open to all and will be held online on November 14, 2025.
