Miller Financial Services
Welcome to Miller Financial Services, a full-service company focusing on retirement planning and estate conservation strategies.
As personal financial professionals, we can:
-Help you clarify and define your goals
-Recommend solutions that fit your needs
-Deliver timely information
-Explain how changing financial conditions affect you
-Monitor your financial progress
-Make investment planning easier
Feel free to browse our site. You'll find a variety of articles, calculators, and research reports that we hope will answer your questions or stimulate your interest.
If you have any questions, please call us at (716)946-8289 or e-mail us at kevin.miller@voyafa.com . We will be happy to help. We look forward to talking with you.
"Do not work to make a living, rather work to make a life. For the measure of succeeding, is your service in the strife. All you ever leave behind you, when your soul has crossed the bay, is the good you've done for others. You must go, but it will stay!"
Wilfred A. Peterson
Newsletters
-
How Taxes Impact Your Retirement-Income Strategy
Retirees face unique challenges when managing their income, particularly when it comes to taxes. This article provides an overview of tax-related issues, from taxing Social Security to the new RMD rules and determining when to tap taxable and tax-advantaged accounts.
-
Fixed Annuities: Retirement Income for Now or Later
Purchasing a fixed annuity shifts the risk for future investment returns to the insurance company and could help create a pension-like income stream for retirement.
-
Roth 401(k) News: Is It Time to Rethink How You Save for Retirement?
High-income participants will not be allowed to make pre-tax catch-up contributions to a traditional 401(k) or similar plan starting in 2026, but they will be able to contribute to a workplace Roth.
-
Much Ado About RMDs
This article provides an overview of the changes the SECURE 2.0 Act made and a brief explanation of how to calculate required minimum distributions from tax-advantaged retirement accounts.
Calculators
-
Cash Flow Analysis
This Cash Flow Analysis form will help you weigh your income vs. your expenses.
-
Net Worth
A balance sheet summarizes your assets and liabilities and reveals your net worth.
-
Impact of Inflation
Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.
-
Savings Goals
How much do you need to save each year to meet your long-term financial goals?