

INDEPENDENT
REGISTERED INVESTMENT
ADVISOR
PROVIDING PORTFOLIO MANAGEMENT, FINANCIAL PLANNING & RETIREMENT PLAN CONSULTING SERVICES.
OUR
SERVICES
PORTFOLIO MANAGEMENT
Our approach to portfolio management is based on 5 pillars of portfolio construction.
We work to construct client portfolios to reduce risk and volatility while working to maximize the probability of success over the long term. We implement a process of investing that is goal oriented and progress driven. We believe that if you can measure progress, you can manage future outcomes and make positive adjustments over the long term. If you need help investing your savings in a way that is consistent with your goals, we are here to help by working with you to make the financial markets less confusing and providing a way for you to have access to a professionally constructed portfolio that provides an increased probability of success. With our Portfolio Management Services, we serve you as your investment advisor putting your best interests first. We will help steward your portfolio through the volatile markets over time while educating you about the investment process and financial markets.
At the core, we want to work with only best in class service organizations to complement our commitment to exceptional service. We have chosen Schwab Institutional, Fidelity Institutional, American Funds for 529 Plans, Morningstar and others to support us in helping our clients.
With a dedicated team of financial professionals, we are here to answer your questions and provide guidance.
FINANCIAL PLANNING
At Courage Miller Partners, we believe that so many successful outcomes start with the foundation of a plan. A plan that is established to work toward a goal will provide an excellent guide to the steps that can be taken along the way to achieve it.
We provide financial planning services as a stand alone service and as a service to our portfolio management clients. The financial plan once established gives a frame of reference to track progress over time for achievement of your financial goals.
RETIREMENT PLAN CONSULTING
Retirement Plans for business continue to gain focus in the United States as fewer pension plans exist. Retirement Plans have become the largest saving avenue for Americans. The increased savings and focus have made offering a retirement plan as a business owner extremely important. Not only for recruiting and retention of quality professionals, but also for the personally favorable tax benefits to you. So, whether you already have a retirement plan or you are exploring the idea of starting a plan for your growing business, we can help you ensure you have a cost effective retirement plan for both you and your employees with features and benefits that increase the probability of a successful retirement.
OUR STORY
Courage Miller Partners was founded by Ralph Courage and Jeff Miller in 2008.
The company started when they moved their business as an SEC independent Registered
Investment Advisor (RIA), as a first step to eliminate the conflicts of interest existing
in sales organizations of large brokerage companies. As an organization Courage Miller
provides trustworthy and honest advice with over 90 years of collective experience.
As a Registered Investment Advisor, they operate as fee only
fiduciary advisors providing service where all decisions are made with the client’s
best interests in mind while providing full transparency of fees. Courage Miller is never
compensated for transactions or specific investment products that pay commissions.
As a result, they are more empowered to run business by making financial decisions
to help clients pursue their long term goals and needs.
Utilizing the foundation of Ralph’s practice that he has built over the past
35+ years, they claimed independence and now operate their business serving
the financial needs of their clients and provide advisory and consulting
services on approximately $250 million in assets.

OUR TEAM

RALPH COURAGE
MANAGING PARTNER

JEFF MILLER
MANAGING PARTNER

HEINZ KOCH
DIRECTOR OF OPERATIONS

ROSA VALENTI
CLIENT RELATIONS MANAGER

KATHERINE COURAGE
CLIENT RELATIONS ASSOCIATE

CONTACT
COURAGE MILLER PARTNERS, LLC.
OUR ADDRESS
101 W. MAIN STREET, SUITE 720, NORFOLK, VA 23510
Email: courage.miller@couragemiller.com
Tel: 757-390-3100