Michael G. Miller & Associates, L.L.C.

Michael G. Miller & Associates, LLC provides investment advisory and financial planning services to entities and individuals, including pension and profit‑sharing plans, trusts, and estates. The firm’s ADV describes these client types but notes it does not take custody or discretionary authority over client assets, positioning its services toward advisory and planning engagements rather than discretionary AUM management.

The firm states a planning-centered process of fact‑finding, tailored recommendations, implementation and ongoing review, and its investment analysis relies on technical methods and sources such as financial press, third‑party research, timing services and company filings. MGM&A discloses it does not charge performance‑based fees and does not deduct advisory fees directly from client accounts.

Distinctive features in the brochure include advisory associates who may also be registered representatives of a broker‑dealer and insurance agents for John Hancock, with potential to receive commissions or 12b‑1 payments when clients purchase products through affiliated channels. The ADV also discloses a prior disciplinary event (a 2009 clerical ADV filing error that resulted in a temporary state license revocation and subsequent reinstatement) and an uncommon fee model for an investment manager — providing hourly or fixed retainer arrangements rather than relying on percentage‑of‑AUM fees — along with explicit consulting for pension and profit‑sharing plans.