Courage Miller Partners, LLC

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Client assets under management

$448,288,184

Clients

222

45% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

High

Average account size

$2,019,316

About

Courage Miller Partners serves individuals (including high‑net‑worth clients), charitable organizations, corporations, and retirement plan sponsors, offering discretionary and non‑discretionary investment management, stand‑alone financial planning, and retirement plan consulting. The firm provides ERISA‑focused retirement plan services (including Section 3(21) advisory work and, if engaged, discretionary 3(38) asset management for plan options) alongside traditional portfolio management for equities, fixed income, mutual funds, and ETFs.

The firm tailors portfolios to each client’s objectives and risk profile, using long‑term, short‑term and trading strategies with ongoing monitoring and periodic rebalancing, and it can aggregate outside holdings on third‑party reporting platforms for consolidated reporting. Courage Miller typically recommends custodians offering institutional custody and execution services and discloses potential conflicts arising from those relationships while seeking best execution and operational efficiencies for clients.

A distinctive feature is its affiliation with other advisers: senior managers also participate in a related adviser (Courage Korving Miller Partners, LLC) and have indirect ownership links to another SEC‑registered adviser (Korving & Company LLC), with an anticipated referral pathway of new prospects to the affiliated adviser upon its launch. The firm also discloses potentially atypical advisory activities—such as assisting clients to evaluate margin or pledged asset loans and offering both retirement plan discretionary services and participant education—and notes mitigation steps for conflicts that may arise from those arrangements.

Client services

Financial planning Portfolio management Pension consulting

Expertise

General tax planning General estate planning guidance

Fee options

Fixed

Financial planning and consulting fees generally range from $2,500 to $10,000 on a fixed fee basis

Percentage

$0 - less than $250,000: 1.25% $250,000 - less than $500,000: 1.15% $500,000 - less than $1,000,000: 1.00% $1,000,000 - less than $2,000,000: 0.90% $2,000,000 - less than $5,000,000: 0.80% $5,000,000 - Negotiable: Negotiable

Project-based

$200 to $500 per hour for financial planning and consulting services

Other

Fee-only: Investment advisory services on a fee-only basis, no commissions

Main office location

Courage Miller Partners, LLC

World Trade Center, 101 W. Main Street, Suite 720

Norfolk VA 23510, United States

Number of offices

Most active in

District of Columbia · Florida · Nebraska · North Carolina · Oregon · Texas · Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Facebook Instagram 757-390-3100

Advisors at this firm

Ralph C

CFP®, Series 63, Series 65

Norfolk, VA

Courage Miller Partners, LLC

Ralph Courage is a CFP® with 34 years of industry experience, currently serving as an advisor at Courage Miller Partners LLC. He has worked at Courage Miller Partners since 2008 and at Courage Korving Miller Partners since 2022. Courage Miller Partners LLC provides investment management, retirement plan consulting, and financial planning services to individuals, charitable organizations, corporations, and retirement plans. The firm manages approximately $419 million in client assets and offers tailored portfolio strategies using a combination of fundamental, technical, and cyclical analysis.

General tax planning General estate planning guidance

Heinz K

Series 63, Series 65

Norfolk, VA

Courage Miller Partners, LLC

Heinz Koch is a financial advisor at Courage Miller Partners, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Courage Miller Partners since 2013, including a role at Courage Korving Miller Partners since 2022. Courage Miller Partners provides discretionary and non-discretionary investment management, retirement plan consulting, and financial planning to individuals, charitable organizations, corporations, and retirement plans. The firm serves around 218 clients with three advisors and manages approximately $419 million in client assets, tailoring portfolios using fundamental, technical, charting, and cyclical analysis.

General tax planning General estate planning guidance

Jeffrey M

Series 66

Norfolk, VA

Courage Miller Partners, LLC

Jeffrey Miller is a financial advisor at Courage Miller Partners LLC with 17 years of industry experience. He holds a Series 66 designation and has been with Courage Miller Partners since 2008. In addition to his advisory role, he provides part-time consulting services to an auto repair business. Courage Miller Partners LLC offers investment management, retirement plan consulting, and financial planning services to individuals, charitable organizations, corporations, and retirement plans. The firm manages approximately $419 million in client assets and employs a tailored investment approach using fundamental, technical, charting, and cyclical analysis.

General tax planning General estate planning guidance

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