What We Do

Some clients may wake up one morning and say...“I need a comprehensive financial plan”.  More commonly, clients wake up one morning and are faced with an acute challenge.  We are here to help.  The Miller and Associates Team offers full service financial planning to help you take care of yourself and your family.


Retirement Savings & Income Planning

  • Perform Retirement Needs Analysis
  • Perform Social Security Optimization Analysis
  • Explanation of Medicare and Supplements
  • Explanation and recommendation of Retirement Plans
  • Explanation of Retirement Plan Distribution Rules and Taxation

Financial Planning

  • Development of Financial Strategies
  • Help with Debt Management
  • Help with creation of Personal Financial Statements
  • Help with Cash Flow Management
  • Explanation of Economic Concepts
  • Explanation of Time Value of Money Concepts

Education Planning

  • Perform Education Needs Analysis
  • Recommend Education Savings Strategies
  • Explanation of Financial Aid Opportunities
  • Explanation of Educational Loan Availability
  • Explanation of the Free Application for Federal Student Aid (FAFSA)

Insurance Planning & Risk Management

  • Analysis and Evaluation of Risk Exposures
  • Perform Insurance Needs Analysis
  • Evaluate the potential need for Individual Long Term Care Insurance
  • Evaluate the potential need for Individual Life Insurance
  • Evaluate the potential need for Individual Disability Insurance 

Investment Planning

  • Development of Investment Strategies
  • Asset Allocation and Portfolio Diversification
  • Portfolio Development and Analysis
  • Explanation of the Tax Planning Strategies for Different Investment Vehicles
  • Explanation of types of Investment Risk

Tax Planning Strategies

  • Development of Tax Reduction and Management Strategies
  • Development of Charitable Contribution Strategies
  • Explanation of Tax Planning Fundamentals

Estate Planning

  • Develop Strategies to Transfer Property
  • Explanation of Types and Features of Trusts as they Relate to Financial Planning
  • Explanation of Intra-Family and Business Transfer Techniques
  • Explanation of Estate Planning Techniques of Non-Traditional Relationships

We serve individuals and families in Ventura County and beyond. Contact us today to learn more about our strategies and services.