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This profile was last updated on 8/27/15  and contains information from public web pages and contributions from the ZoomInfo community.

Program Director for the Boston C...

Phone: (847) ***-****  HQ Phone
Local Address:  Illinois , United States
National Association of Personal Financial Advisors
3250 North Arlington Heights Road Suite 109
Arlington Heights , Illinois 60004
United States

Company Description: The National Association of Personal Financial Advisors is the nation’s leading organization of Fee-Only comprehensive financial planning professionals. Since...   more

Employment History

Board Memberships and Affiliations


  • Ph.D. , Economics
    University of Chicago
  • PhD. , Economics
    University of Chicago
63 Total References
Web References
Sensible Financial Planning, 27 Aug 2015 [cached]
Rick Miller, Ph.D., CFP®, Founder Sensible Financial Planning
Rick Miller, Ph.D., CFP®, Founder
Rick Miller
Rick Miller, Ph.D., CFP®, Founder
Rick earned his Ph.D. in Economics at the University of Chicago. His studies included family economics and lifetime planning. He brings a particularly analytical and rigorous approach to the practice of both financial planning and investment advice.
As a business consultant, Rick specialized in financial services. His work regularly put him in contact with regulators, industry experts, and senior executives. He also saw financial product marketing from the inside.
At Scudder Investments, Rick learned the inner workings of mutual funds first-hand and went on to develop a financial advice offering for Scudder. In the process, he scouted the market for the latest financial advice software tools.
With Sensible Financial Planning, Rick ties together the threads of his professional career:
Rick is a CFP® certificant, and a member of both NAPFA, the National Association of Personal Financial Advisors, where he serves as the program director for the Boston chapter and is on the faculty of NAPFA University, and the Financial Planning Association (in 2008, he served on the FPA Massachusetts Chapter Board). In 2009, Rick served on the Trends in Financial Planning and Job Analysis task forces of The Certified Financial Planner Board of Standards. He is a strong advocate for the Life Cycle Planning and Investing approaches within the profession, and frequently conducts professional seminars on those subjects.
He has been quoted in the Boston Globe,, NPR's Nightly Business Report, and other local and national media.
Put another way: Live not just ... [cached]
Put another way: Live not just within your means, but well below, says Rick Miller, president of Sensible Financial Planning in Waltham, Mass.
"The big risk of retiring so early is unexpectedly bad investment results or unexpected large expenses," says Miller.
Designed for Financial Planners | ESPlanner Inc., 11 Mar 2006 [cached]
In 2005, using this product exclusively for financial planning, we've doubled our assets under management; 3 out of 4 financial planning clients retain us to manage their investments."-Rick Miller, Ph. D., CFPTM, Founder and CEO, Sensible Financial Planning and Management, LLC, Cambridge, MA
Another strategy that some advisers are ..., 12 Mar 2007 [cached]
Another strategy that some advisers are encouraging seems odd on the surface but can be a huge tax savings, said Rick Miller, an adviser with Cambridge, Mass.-based Sensible Financial Planning and Management LLC.
He has advised clients in certain circumstances to invest in a large chunk of bonds in a tax-free account, such as a 529 plan, while keeping more equities in a taxable account, such as a mutual fund.
"The choice of which account to use to hold which kind of assets can have a big impact on your tax bill," Mr. Miller said.
He said it's important to place bonds in tax-free accounts, such as individual retirement accounts, 529 plans or 401(k) plans, because bonds are taxed at ordinary income tax rates.
Rick Miller, Ph.D., CFP®, ..., 1 Sept 2007 [cached]
Rick Miller, Ph.D., CFP®, talked about the impact of technology on fiduciary advisors and nimble product providers.
I concluded the Communications Conference with the observation that Lubinski, Matsko, Miller and Evensky are members of an elite minority of advisors, and that the real challenge for the industry will be in introducing the educational tools and communications technologies needed by the 95% of advisors who have yet to acquire equal income planning skills.
It's not possible in the opinion of Rick Miller, a Certified Financial Planner from Cambridge Massachusetts and a member of the National Association of Personal Financial Advisors. According to Miller, "An annuity agent who is simultaneously a fiduciary sounds like a contradiction in terms at the most basic level. As a fiduciary the advisor must act in the best interest of the client. As an agent, the advisor must act in the best interest of the insurance company. I wouldn't want to be the advisor who has to attempt to resolve that conflict."
The website for Miller's firm, Sensible Financial Planning, states: "We accept no commissions or any other payments from any financial product or service provider.
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