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FAQs
Frequently Asked Questions
Answers to Common Questions
As an independent fiduciary firm, we're free to recommend strategies based solely on what's in our clients' best interests. We aren't tied to a bank, brokerage firm, or insurance company, so our advice isn't influenced by proprietary products, sales quotas, or commissions. Instead, we focus on delivering objective guidance, personalized wealth management, and long-term relationships built on trust.
We combine independent, fiduciary advice with a highly personal, relationship-driven approach. Our clients are never just account numbers—we take the time to understand your goals, communicate clearly, and provide thoughtful guidance throughout every stage of your financial journey.
Miller & Hurt Wealth Advisors was established in 2004. Together, Rich and Tony bring more than 56 years of combined experience helping individuals, families, business owners, and nonprofit organizations pursue their financial goals.
While we serve clients from many backgrounds, we have extensive experience working with aerospace and defense professionals, federal employees, educators, business owners, retirees, and those preparing for retirement.
Yes. While our roots are in Brevard County, we proudly serve clients throughout Florida and across the United States using secure technology, virtual meetings, and in-person appointments when appropriate.
Many of our clients are retired. We help retirees manage their portfolios, develop sustainable retirement income strategies, coordinate withdrawals, evaluate tax-efficient distribution strategies, and adapt their plans as their needs change over time.
Yes. Comprehensive financial planning is a core part of our wealth management process. We help clients with retirement planning, retirement income strategies, Social Security and pension decisions, investment management, tax-efficient planning, estate and legacy planning, charitable giving, and long-term care planning.
No. Your initial consultation is complimentary and comes with no obligation. It's an opportunity for us to get to know one another, understand your goals, and determine whether we're the right fit for your needs.
You don't need to have everything organized before we meet. Depending on your situation, it can be helpful to bring recent investment statements, retirement account information, insurance policies, tax returns, estate planning documents, and any questions you'd like to discuss.
Every client relationship is unique, but most follow a multiple-meeting process. We begin by getting to know you and your goals, gather and analyze your financial information, develop personalized recommendations, implement agreed-upon strategies, and continue monitoring your progress through ongoing reviews.
Not necessarily. Every situation is different. We'll review your existing accounts and recommend the approach that best supports your financial goals. In some cases, only certain accounts need to be transferred, while others can remain where they are.
We believe wealth management is an ongoing partnership, not a one-time event. As your life, goals, and financial circumstances evolve, we'll continue to monitor your progress, review your strategy, and make recommendations as needed. You'll always have a trusted advisor available to answer questions and help you make informed financial decisions.
Most clients meet with us annually or semi-annually, depending on their needs and complexity. In addition to scheduled reviews, we're always available when important life events or financial questions arise.
Clients have secure online access to their accounts 24 hours a day, 7 days a week. You'll also receive regular account statements and performance reports, and we'll review your progress together during scheduled meetings.
Absolutely. We believe the best outcomes come from collaboration. When appropriate, we'll coordinate with your CPA, attorney, and other trusted professionals to help ensure every aspect of your financial life is working together.
Yes. We regularly help clients evaluate employer-sponsored retirement plans, including 401(k), 403(b), and other qualified retirement accounts. We'll provide guidance on investment selections, contribution strategies, rollovers, and how these accounts fit into your overall retirement plan.
While there is no firm minimum, our comprehensive wealth management services are generally designed for clients with at least $250,000 in investable assets. If you're unsure whether we're the right fit, we encourage you to contact us for a conversation.
We believe transparency is essential. Before becoming a client, we'll clearly explain how we're compensated, the services you'll receive, and any associated costs so you can make an informed decision.
As an independent wealth management firm, we work with well-established third-party custodians to securely hold client assets. Your investments remain in your name, and you'll have secure online access to your accounts at all times.
Because we operate as a team, our clients benefit from the knowledge and support of multiple professionals. Our collaborative approach helps ensure continuity of service and uninterrupted guidance for you and your family.