Miller Financial Group, LLC

Miller Financial Group is a small, fee-only registered investment adviser that provides personalized financial planning and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations and small businesses. The firm reports managing approximately $82.8 million across roughly 170 client relationships and typically engages new clients under an advisory agreement with a stated account minimum that can be waived in certain circumstances.

The firm’s investment process centers on strategic asset allocation using a core-and-satellite approach: passive index funds and ETFs generally serve as the core, complemented by actively managed funds, individual stocks and bonds in satellite positions, and global diversification documented in an investment policy statement. Miller Financial operates with discretionary trading authority, conducts quarterly and event-driven reviews, and maintains a timing service that can shift allocations to cash or market-neutral positions when the advisers judge market risk to be elevated.

Distinctive features in the brochure include a strict fee-only model with no commission or soft-dollar arrangements and a policy not to vote client proxies (clients retain proxy voting authority, with advisory recommendations available on request). The firm also notes a compact two-principal ownership structure, an explicit practice of addressing family members’ financial affairs as part of planning, and formal educational and experience standards for its advisers, reflecting a focus on continuity and a small-team advisory model.