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Financial Planning

Financial planning is at the very core of the life planning services we offer to individuals and families seeking to build, preserve, and manage wealth over time. Retirement income planning, education, tax and estate planning, and insurance services are among the many components of a comprehensive plan designed to help you pursue multiple financial and lifestyle goals.

We believe that without a game plan in place to pursue established goals, it's nearly impossible to measure your progress along the way. That's why our approach to wealth planning seeks to help you fully assess your current situation, goals and desires, and adapt a strategy to help you manage your financial goals.

Financial planning shouldn't take a one size fits all approach and with that in mind, we've exclusively partnered with WealthCare. Our new partnership with WealthCare seeks to help create a goals-driven financial plan that goes beyond static client evaluations. The goals-driven method encourages clients to map their financial goals while also knowledgeable of the risk required to reach their goals. The WealthCare approach we have integrated into our planning process is a holistic strategy that is dynamic and life-focused, providing more flexible planning to help our clients enjoy the journey to retirement.

Our comprehensive planning approach begins with a review of your goals and objectives to help lay out a comprehensive financial plan that is fit for you. Our financial planning incorporates a full-range of planning services that include:

Retirement Planning

We understand the unique needs and challenges investors face who are retired or about to retire. Understanding how you will structure your retirement income, how long your income will last, and which sources of income you should tap into first are important to understand during retirement planning.

Through comprehensive planning, we can assist you with retirement plans and strategies like 401(k)/IRA rollovers, retirement income planning, and traditional and Roth IRAs. No strategy assures success or protects against loss but we can help you prioritize your goals and develop a strategy that seeks to reserve and grow your retirement assets.

Tax Strategies

Most financial decisions have tax ramifications and can take a toll on your wealth. We can help coordinate the various aspects of your financial plan seeking to maximize tax-efficient strategies in line with pursuing your overall financial goals. To ensure that your tax planning needs are fully addressed, we are happy to work with your CPA or other tax professionals, or refer you to professionals we work with on a regular basis.

Tax services are not offered by LPL Financial or Miller Financial Group.


Protecting yourself, your loved ones, your home or your business against unexpected events is fundamental aspect of wealth planning. Integrating risk analysis into planning process helps us methodically evaluate all potential risk factors to create a comprehensive plan. We understand that life insurance, disability insurance, and long-term care insurance are necessary for building wealth. After careful analysis of your situation and goals, we can help you obtain insurance coverage that meets your needs.

Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices. Guarantees are based on the claims paying ability of the issuing company.

Education Planning

Whether you’re paying tuition costs now or saving for a future goal, it’s important to determine if your education strategy is compatible with managing your retirement income and related financial objectives. While education expenses can be funded through borrowing, retirement expenses cannot. 529 College Savings plans can be a good choice for many families looking to allocate funds for education expenses on a tax-deferred basis.

As independent advisors, there is no pressure to recommend specific education savings programs or proprietary products of any type. Our only concern is which program best meets your needs.

Estate Planning

Preserving wealth from one generation to the next can be complex and time consuming. We have helped generations of families develop wealth transfer strategies that seek to reduce estate taxes while pursuing specific legacy and charitable giving goals. We can help you articulate your estate planning goals and will work closely with your tax and legal advisors to help ensure your financial strategy reflects your estate planning needs. Whether you use a trust* or other methods for managing your long-term estate planning goals, we can assist you in navigating today’s complex estate planning landscape.

*LPL Financial Representatives offer access to trust services through The Private Trust Company N.A., an affiliate of LPL Financial.

Tax and legal services are not offered by LPL Financial or Miller Financial Group.

Trusts Services

Trust services are available through The Private Trust Company, N.A., (PTC) an affiliate of LPL Financial. The Private Trust Company, N.A., serves as trustee, co-trustee, or agent for the trustee while specializing in delegating investment management to financial advisors. This model allows our clients to utilize The Private Trust Company to provide professional trust administrative services while we provide investment management services.

PTC serves in an administrative corporate trustee role, providing all record keeping, accounting and tax preparation; also, PTC ensures that trusts are managed and distributions occur according to the terms of the trust document. Licensed in all 50 states under its 1995 national banking charter, the bank does not engage in any lending or deposit taking, therefore specializing solely in providing fiduciary services.

With the help of The Private Trust Company, we can assist you with various trusts and other needs.

Goals-Driven Planning

1. Goal Assessment

Analyze current assets, liabilities, goals and desires.

2. Wealth Management

Map out priorities and the risks associated with them.

3. Retirement Planning

Create an investment strategy to preserve and seek to protect capital.

4. Tax Planning

Assess retirement income for appropriate retirement plans and strategy.

5. Estate Planning

Articulate estate planning goals and seek strategies to preserve your wealth.

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