DEDICATED TO SERVE

Founded with the ultimate goal of focusing solely on our clients.

           

ATTENTIVE

 

We believe that a partnership requires open communication about the details of your life that makes your story unique.  To truly understand the dreams and goals of our clients, we must be dedicated and focused on listening to your story.

DILIGENT

 

Our foundation in service is built upon delivery of services based on your needs.  Hard work is at the core of everything we do. We pride ourselves on our dedication to service, and we strive everyday to embody the motto of our founders’ alma mater, Virginia Tech, “Ut Prosim” – That I may serve.

TRUSTED EXPERIENCE

 

We have been honored over the years to serve clients with their diverse financial needs. We work with families and individuals on their personal finances, foundations and trusts on their institutional investments, and small businesses on their retirement plan needs. We believe that our long term relationships are founded in trust. It is through a trusted relationship that you are able to focus on things that are more important to you such as your family and career. We focus serving with 4 major principles: Honesty, Transparency, Dependability, and Continuous Improvement

           

INDEPENDENT GUIDANCE

 

We established our business as an independent fee only registered investment advisor. Our goal was to remove inherent conflicts of interest that exist by being paid commissions for selling products. As a result we deliver independent guidance and exceptional service for our clients. Below are a few ways we can serve you:

           

FINANCIAL ORGANIZATION AND CONSULTING SERVICES

                     

 

Many investors, trustees and financial stewards find their investments spread across a number of financial institutions.  As the years pass and life becomes more complex, it becomes increasingly difficult to properly organize and track all your investments.  As a result, it is difficult to ensure you are on track with a sensible financial plan.  Through our FOCuS Program, we strive to increase successful outcomes.

FIDUCIARY REPORTING AND CONSULTING SERVICES

                     

 

Fiduciary portfolios, such as trusts, have been carefully established in order to protect loved ones or provide long lasting funds to help important causes. Of all responsibilities that fiduciaries have, the duty to monitor service providers and investment managers is the most time consuming and critical.

PORTFOLIO MANAGEMENT SERVICES

                     

 

With many years of managing investment portfolios for our clients, we believe that a sound investment process founded in 5 principles of investing increases the probability of success while reducing volatility.

RETIREMENT PLAN CONSULTING

                     

Retirement Plans continue to gain focus in the United States because of the significant shift from traditional pension plans to Defined Contribution Plans.  Plan sponsors and those responsible for overseeing the retirement plan have a tremendous amount of responsibility.  Whether your organization already has a retirement plan or you are looking to setup a retirement plan as an employee benefit, the complexities can be overwhelming.  We work to reduce the complexity and help you find the best options for you and your organization.

 

Learn how our independence benefits you!

OUR FAMILY

We serve our clients as a team. Together each member of the team serves as an integral part of the service we deliver. Our coordinated efforts ensure our clients’ interests are first and that we provide only exceptional service for those who have placed their trust in us.

Ralph Courage

RALPH M. COURAGE, CPWA®, CIMA®, CFP®, CLU®
____________________

MANAGING MEMBER AND
CHIEF COMPLIANCE OFFICER

Jeffrey Miller

JEFFREY S. MILLER, AWMA®, AIF®, MAcc
____________________

MANAGING MEMBER

Rosa Valenti

ROSA A. VALENTI, CRPC®
____________________

CLIENT RELATIONSHIP MANAGER

Heinz Koch

HEINZ G. KOCH
____________________

DIRECTOR OF OPERATIONS

Katherine Courage

KATHERINE N. COURAGE
____________________

CLIENT RELATIONS ASSOCIATE

LET’S PARTNER TOGETHER

Don’t hesitate to get in touch with us.
We would be honored by the opportunity to serve you.

___________

Contact Information:

 

World Trade Center
101 West Main Street, Suite 720
Norfolk, VA 23510

Phone: 757-390-3100
Fax: 757-351-0600
Toll Free: 888-351-0012

Email: courage.miller@couragemiller.com

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