Milestone Advisory Group, LLC

Milestone Advisory Group is a state-registered investment adviser that serves individuals and business/plan sponsors, managing assets through discretionary and non‑discretionary portfolio management and providing comprehensive financial planning. The firm also offers ERISA plan advisory services (including limited-scope 3(21) fiduciary work), variable annuity and life-product management, and arrangements with third‑party managers and sub‑advisors for separately managed accounts.

Investment programs are tailored to each client’s goals, time horizon and risk tolerance and are built using fundamental analysis and a mix of long‑term and trading strategies; the brochure discloses that third‑party managers and separately managed strategies the firm uses may employ option‑writing and other derivative techniques. Accounts are reviewed at least quarterly (with more frequent reviews as market conditions dictate), and the firm provides both single-session and ongoing planning, including participant education and group enrollment meetings for retirement plans as well as student‑loan and college‑planning services.

Distinctive elements in the brochure include the firm’s combination of pension consulting and active participant education with specialty planning services (e.g., a Certified Student Loan Professional credential and college pre‑approval planning), and the routine use of third‑party managers for separately managed strategies that may involve derivatives. The firm discloses affiliated insurance activities and referral arrangements with TPMs and describes policies to mitigate conflicts of interest arising from those relationships.