Miller, Wiggin & Associates is one of the few financial services firms in the state that offers fee-only investment management services. The fee is a percentage of assets under management. The percentage varies depending on the dollar amount under management. Financial Life Planning is offered on a flat fee basis predicated on the amount of time it takes to create the plan.

Because the firm does not receive commissions, Miller, Wiggin executives bring the utmost of objectivity and integrity to their clients. Executives firmly believe that this corporate policy embodies the highest professional standards in the industry and enables them to serve their clients with maximum effectiveness. Miller, Wiggin is in no way tied to any financial product and has no incentive to buy or sell unless the transaction meets the specific needs of the client.

Also, because the firm makes its money from a percentage of assets under management, it is in company’s best interest to build their clients’ portfolios to the maximum, in accordance with the predetermined profile of the client. The bottom line, according to company executives, is that their fee-only approach puts the clients’ self-interest before the company’s self-interest. They believe this is the most ethical way to operate a financial services business.

In addition to its fee-only approach, Miller, Wiggin stands apart from its competitors by bringing two financial planners to the table for each client. This team approach allows analysis of each client’s financial situation by two experts with different perspectives. As a result, better counsel is given, better decisions are made and clients receive the maximum benefit.

Miller and Wiggin also are certified by the Florida Supreme Court in family mediation and are members of the Association of South Florida Mediators. While they don’t actually mediate divorce cases, they chose to become certified in order to have a comprehensive understanding of the divorce process and to bring that expertise to their clients.

Miller and Wiggin came together to form Miller, Wiggin & Associates in 1992 after having worked together for several years at Mass Mutual Insurance. They discovered they worked well together because of their diverse backgrounds and client-centered approach. After becoming an accomplished insurance sales person, Wiggin broke away to start a financial services firm that provided clients with a holistic approach to investment management services. Miller joined the firm shortly thereafter.

While both partners are experts in the investment portfolio management, each brings additional strengths to the partnership. Wiggin is an expert in sales and marketing and has a creative, entrepreneurial spirit. Miller brings more than 21 years in banking to the firm and an in-depth knowledge of estate planning, bonds and fixed income investments.

Both partners are Certified Financial Planner™ Practitioners, Certified Divorce Financial Analysts, and are Registered Investment Advisors.

According to the Financial Planning Board of Standards, Inc., the CFP® mark identifies individuals who have met the education, examination, experience, and ethics standards established by the Certified Financial Planner Board of Standards Inc. (CFP® Board). The CFP® Board owns the CFP® certification mark and licenses qualified individuals to use it.

A Certified Divorce Finance Analyst (CDFA) is a person who has been certified from the Institute for Certified Divorce Financial Planning. Those who earn a CDFA designation help individuals who are divorcing understand the financial impact that certain settlement options have on their future.