Frederick Miller, Jr. (CFP®, PhD)

Frederick Miller, Jr. focuses in the
following client markets or areas of practice:
- Insurance Related Issues
- Investment Advice with Ongoing Management
- Middle Income Client Needs
- Retirement Plan Investment Advice
- Retirement Planning & Distribution Rules
- Insurance Related Issues
- Investment Advice with Ongoing Management
- Middle Income Client Needs
- Retirement Plan Investment Advice
- Retirement Planning & Distribution Rules
Planning Specialties
Most clients start with an integrated plan, which includes:
- A financial plan
How much you can afford to spend each year
How much you should save each year
How much life insurance you need, and for how long
Long term care alternatives - An investment plan
Broad investment recommendations – stocks vs. bonds vs. real estate
Specific investment recommendations (which mutual funds)
Specific account recommendations – Roth IRA, 529 plan, etc. (Guidance through the account / product maze) - An action plan
How to save
What to do with your 401(k)
How to deal with insurance
Many clients also retain us for ongoing investment management – which includes the following services every quarter:
- Report on investment progress
- Change investments if necessary
We also provide management of account transition details.
Additional Information
Sensible Financial's philosophy:
- We recommend low cost index funds exclusively
- Our asset management fees are low
NAPFA Start Date
July 19, 2004