Each investment product has a place and a specific purpose where it may fit properly into someone's retirement planning, but without a complete review of your personal situation, risk tolerance, income needs, tax situation etc... no one can or should have an opinion about whether a specific product is right for you.
It is the discovery of your true desires and needs that should be the first step, not the choice of investment product that many people mistakenly have made as their first step or concern. You should always discover your needs and build a plan first, before choosing investment products.
Our straight-forward, easy to understand, 3 Step Review is a great way to help you understand exactly what your true needs might be, and whether or not your current strategies properly address those needs.
F. W. Miller Financial is a full-service financial advisory firm dedicated to presenting clients with a wide variety of options for retirement income and educating them about each option so they can make fully informed financial decisions.
With a primary focus on capital preservation, F. W. Miller Financial makes use of cutting-edge strategies to protect your hard-earned assets and provide the income you need.
Some financial advisors focus only on helping you accumulate assets. Your accountant looks back at the end of each year to help you pay the correct tax bill. What makes us different is it's our job to help you look forward, cut future tax bills and avoid financial problems in your retirement years or in your estate plan.
Frederick W. Miller is an Investment Advisor Representative, which means he is held to a fiduciary standard that legally requires him to act in the best financial interests of each family he serves.
As an independent financial advisor, Fred takes his role as your fiduciary very seriously. He knows no two people are exactly alike and one size definitely does not fit all. Fred takes the time to fully understand his clients’ individual financial needs and goals, and then helps create a customized plan to meet them. Retirement is the start of a new journey, and Fred partners with his clients both to put these plans into action and to provide the continued follow-through to keep their retirements on track.
F. W. Miller Financial keeps clients informed about the latest changes to laws, regulations and economic trends that have an effect on their financial future.
F.W. Miller Financial
These 5 Critical Questions to ask any financial advisor can help you determine if you need further review of your plan:
1. Have you adequately reviewed my personal financial situation to make sure this recommendation is in my best interest?
2. How will your plan affect my tax return each year, and what future tax issues may concern me?
3. How will your plan affect my income and liquidity needs in the future?
4. How does your plan match up to my current risk comfort level?
5. How will your plan affect the transition of my estate to my heirs and loved ones?