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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

Planning Specialties

Most clients start with an integrated plan, which includes:

  1. 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
  2. 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)
  3. 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:

  • Financial planning is conceptually very simple – our services are straightforward 
  • People should invest to transfer spending power from when they earn it to when they need it, not to try to get rich 
  • Investment returns are unpredictable and risky
  • Investment risk is best managed by diversification
  • The most certain way to increase investment returns is to keep investment costs low. Therefore:
    1. We recommend low cost index funds exclusively
    2. Our asset management fees are low

     

    • NAPFA Start Date

    July 19, 2004

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    Disclaimer: Limitations. This list only serves as a resource to assist an individual in identifying a potential advisor for their review and consideration. The appearance of an adviser on the list is not endorsement by NAPFA of that advisor's services. There can be no assurance that you will experience a certain level of results or satisfaction if you engage a listed advisor. Except for the NAPFA membership fee, the listed advisor did not pay NAPFA a separate fee to appear on the list.
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    Visit Website Download vCard
    Disclaimer: Limitations. This list only serves as a resource to assist an individual in identifying a potential advisor for their review and consideration. The appearance of an adviser on the list is not endorsement by NAPFA of that advisor's services. There can be no assurance that you will experience a certain level of results or satisfaction if you engage a listed advisor. Except for the NAPFA membership fee, the listed advisor did not pay NAPFA a separate fee to appear on the list.

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    This Office

    600 B St Ste 300 San Diego, CA 92101-4505 Phone: (619) 573-4131
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    Other Offices

    203 Crescent St Ste 404 Waltham, MA 02453-3496 Phone: (781) 642-0890 Fax: (617) 812-6138
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