Courage Miller Partners, LLC

Courage Miller Partners, LLC is a registered investment adviser established in August 2008, offering investment advisory, retirement plan consulting, and financial planning services to individuals, high net worth individuals, charitable organizations, corporations, and other entities. Clients can engage Courage Miller for discretionary or non-discretionary investment advisory services on a fee-only basis, with fees based on a percentage of assets under management. The firm's investment strategies include long-term purchases, short-term purchases, and trading of various securities. Courage Miller acts as a fiduciary for retirement accounts, providing ERISA and IRC fiduciary acknowledgment. The firm does not participate in wrap fee programs and had over $378 million in discretionary assets under management as of December 31, 2024. Clients are encouraged to review financial planning issues annually, and account reviews are conducted regularly by the Principals and Chief Compliance Officer. Courage Miller recommends Charles Schwab or Fidelity as broker-dealers/custodians and receives support services and products from them. The firm does not vote client proxies and does not solicit fees in advance exceeding $1,200 per client. Courage Miller has not been subject to disciplinary actions or bankruptcy petitions. Clients can contact Ralph Courage for any questions or conflicts of interest.