Joel Miller is the owner of J.A. Miller (Joel Alan Miller). Though, J.A. Miller has a national reach serving clients across the United States, most of their clientele reside in the “Good Life” of Nebraska.
Okay, no more self-aggrading third person, Joel Miller.
I live in Elkhorn, Nebraska, but currently building a house in Fort Calhoun. The inspiration that gets me out of bed every morning, besides golf, is my beautiful wife, Tiffany, and my boys. My oldest, Jayden is now a teenager (scary), but Brooks and Bennett are at that great age of four, where mom and dad are still their favorite superheroes.
Now, on to that wealth management stuff…
Three Reasons You Should Not Work with Me.
You want to get rich quick with investing.
Sure, we all love the idea of making millions overnight. All you have to do is pick the right winners and “shazamm”, you can retire. Look at Bitcoin, internet stocks in the 90’s, tulips in the 17th century, and so on. Easy, right? Warren Buffett, once said “If you aren’t thinking about owning a stock for ten years, don’t think about owing it for ten minutes.” How can we disagree with the Oracle of Omaha?
You like your own investing advice above all.
This should be common sense, but if you like investing on your own, you should not work with an advisor, especially me. There are people out there that like to wire their own houses, change the oil in their car, and even buy their own stocks. Crazy, I know.
If you want strategy based investment advice that may range from investing in stocks, real estate investments, equity linked CDs, etc.., I may be the guy. Depending on your investment assets, my advisory fee ranges from .6% to 1.25%.
If you want to spend an hour talking about how your 401k management is awesome or how you agree with your neighbor about gold being the only place to invest before the “crash”, knock yourself out, but paying me to manage your money probably won’t be worth either of our time.
You want to only invest in “good market times”.
I believe a suitable time to invest is when companies are “on sale”. If markets start racing downward, it probably means that prices are getting more and more attractive. If you do not want to part with cash until after the markets are rosier, we are probably not a good fit. When the storm hits, you better have that rainy day stash to take advantage of.
Here’s what you can expect from me:
- Actionable strategies and tactics that we can use immediately. If you follow me on my Facebook page, some of this can be viewed through my write-ups and videos.
- Sales pitch about managing your money.
Maybe not what you were expecting, but why wouldn’t I be up front about it? Wealth Management companies make money by managing your wealth, right? Our goal is to manage over $100 million in client assets. The only way to get there is by doing a really good job working with you and to follow through with the things we say we are going to do. The better we do, the more money we manage.
How many advisors are up front with how they get paid? My goal is that you like my financial information that I provide, so that you might actually pay me to manage your money. Pretty simple, right?
I have a Bachelor of Science in Business Administration from the University of Nebraska-Lincoln. That may sound impressive, but honestly, I chose Lincoln because I grew up as the biggest Cornhusker fan in the world (still am).
Currently, I also serve on the board of directors for the Omaha chapter of the national Financial Services Professionals Group.
I have my CFP® designation, which means I have done many continuing education (CE) classes, online courses, years of experience, yada, yada, yada.
Again, if I was being honest, my best single greatest learning opportunity was riding the wild markets of 2007-2009. Not only should there be investing degrees on that alone, but psychology ones as well. Not only was there a battle to keep clients invested, but also being able to take advantage of the generational buying opportunities.
Trust me, the mistakes I made during that time is now an invaluable piece of who I am as an advisor. I should have been more aggressive in 2009, I should have not invested in financials in 2007, I shouldn’t have listened to anything on CNBC, etc. It was a tough time, but I wouldn’t trade it for the world.
Here’s what I will help you with, specifically:
My main focus is to align your financial ducks in a row in a non-painstakingly way. Heck, it may even be fun.
After every meeting, we provide a planning sheet that discusses what we accomplished, what still needs to be accomplished, and the investment strategy specifically for you. Being an independent advisor, I am not “handcuffed” to only a few providers.
I will work to keep you on pace for your retirement and income goals. How much should you be putting in now vs how much can you take out in retirement? Psst, younger families need to check out my Millennial Millionaire Project.
I will be there for the long haul. Considering, I am “only” 35; I should have the opportunity to serve you for another 35-40 years.
My first sales pitch to you:
Check out my website and Facebook page to view some of my financial information I provide and get to know me a little more. If you think some of the strategies sound good, then let’s set up some time to see if I can be a good fit for you and your planning needs (sounds so formal)… Either way, looking forward to meeting you and hearing your story.
Thanks for reading and remember to check out my videos!
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. No strategy can ensure success or protect against loss.