Our Team

RALPH M. COURAGE, CPWA®, CIMA®, CFP®, CLU®
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MANAGING MEMBER AND
CHIEF COMPLIANCE OFFICER

Ralph is a Co-founder, Managing Member and the Chief Compliance Officer of Courage Miller Partners.  With over 35 years of financial services experience, Ralph works with Trusts, Families, Foundations, business owners providing services in the areas of Financial Planning and Investment Management.   Ralph is also a Retirement Plan Consultant serving as a Fiduciary to retirement plans across multiple industries including health care, legal services and construction.

Prior to the founding of Courage Miller Partners, Ralph was a Senior Portfolio Manager and Senior Vice President of Investments with a Global Wealth Management and Investment Banking Firm providing financial planning and investment management services.

Ralph received his Bachelor of Science degree in Finance from Virginia Tech.  Ralph is also a Certified Financial Planner, Certified Investment Management Analyst, Certified Private Wealth Advisor and Chartered Life Underwriter.

Jeff is a Co-founder and Managing Member of Courage Miller Partners.  Jeff serves Families, Trusts, and business owners as their Financial Planner and Investment Portfolio Manager.  Jeff is also a Retirement Plan Consultant serving as a Fiduciary to retirement plans across multiple industries including health care, legal services and construction.   In addition to ongoing retirement plan engagements, Jeff serves as an independent consultant for many plan sponsors to provide an assessment of current plan design and structure and Fee Benchmarking to evaluate current costs for plans based on current service providers and plan format.

Prior to entering the Financial Services industry in 2007 with a Global Wealth Management and Investment Banking Firm, Jeff worked in the finance organizations of IBM and the Duke University Health System.

Jeff graduated from Virginia Tech where he received his Bachelor of Science degree, Cum Laude, in Biochemistry and his Master of Accountancy.  Jeff has received his Accredited Wealth Management Advisor credential from the College for Financial Planning and his Accredited Investment Fiduciary® (AIF®) Designation from the Center for Fiduciary Studies™

JEFFREY S MILLER, AWMA®, AIF®, MAcc
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MANAGING MEMBER

ROSA A VALENTI, CRPC®
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CLIENT RELATIONSHIP MANAGER

Rosa has been with Courage Miller Partners since the beginning as an integral part of the team.  As the Client Relationship Manager, Rosa works integrally with clients to ensure a first class experience.

Rosa has 16 years of client service experience in financial services.  Her knowledge makes her a leader in the practice to ensure we are always working to improve our client service.

Rosa graduated from the University of Maryland University College where she received her Associates Degree in Business Administration.  Rosa holds the designation of Certified Retirement Planning Counselor from the College for Financial Planning.

Heinz is the Director of Operations for Courage Miller Partners.  In addition to work with clients on any needs that they may have, Heinz is responsible for the efficient operation of the technology and day to day processes of the business.  Heinz works closely with our custodians to ensure the integrity of our data for client reporting.  Heinz is also integrally involved in trading.

Heinz joined Courage Miller Partners in June 2013 bringing 17 years of financial services experience.  His prior experience in both client service and business technology makes Heinz invaluable as a member of the Courage Miller Partners Team.

Heinz graduated from The College of William and Mary with a Bachelor of Arts degree in Finance.

HEINZ G KOCH
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DIRECTOR OF OPERATIONS

KATHERINE N COURAGE
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CLIENT RELATIONSHIP ASSOCIATE

Katherine has been with Courage Miller Partners since graduating in 2010.  As a Client Relationship Associate, Katherine works integrally with clients to ensure a first class experience.

Katherine has over 5 years of client service experience in financial services.

Katherine graduated from Binghamton University where she received her Bachelor of Arts degree in English Language and Literature.  Katherine also played Division I volleyball with Binghmaton.

It all starts with a discussion!

If you are ready to start saving for your retirement and reduce your taxes, contact us for a discussion to learn how.

focustestOur Team