Business Details
41 Years
experience
Your Trusted Partner for Financial Planning Solutions
Summit Financial Advisors has been dedicated to helping clients achieve their financial goals since 1985. With offices in Middletown, Ohio, and Topanga, California, we serve clients across 18 states, offering tailored financial planning and investment management services. Our team of certified professionals brings decades of combined experience in retirement planning, tax strategies, and risk management. As fiduciaries, we prioritize clients' interests through a fee-based model that avoids product sales and transaction fees.Our commitment to integrity and personalized service is reflected in our approach to face-to-face meetings and house calls, ensuring comprehensive understanding of each client's unique financial situation. With over 40 years of industry experience among our leadership team, we combine deep expertise with a client-first philosophy to deliver actionable, long-term solutions.
Services
Investment Management
Financial Planning
Retirement Planning
College Savings Plans
Estate Planning
Tax Strategies
Risk Management
Portfolio Management
401k Planning
Long-Term Care Insurance
Details
- Year established: 1985
Highlights and features
- We act as fiduciaries, legally obligated to prioritize your financial interests
- Our fee-based model avoids conflicts of interest from product sales
- 40+ years of combined experience among senior advisors
- Personalized financial plans tailored to individual life circumstances
- House call availability for comprehensive client understanding
Services
Investment Management
Our investment management service creates customized portfolios aligned with your risk tolerance and financial goals. We utilize mutual funds, ETFs, individual stocks/bonds, and alternative offerings while maintaining fiduciary responsibility. Regular performance reviews ensure your investments remain strategically positioned for long-term growth.
Financial Planning
Comprehensive financial planning covers retirement strategies, tax optimization, college savings, and estate preservation. We develop personalized roadmaps considering your unique circumstances, helping navigate life's financial milestones while adapting to changing market conditions and personal circumstances.
Retirement Planning
Our retirement planning service designs sustainable income strategies for post-career life. We analyze Social Security optimization, pension options, and withdrawal strategies while ensuring adequate liquidity. The planning process considers healthcare costs, longevity, and legacy goals to create confidence in your retirement years.
Risk Management
Risk management services protect against financial loss through disability income, life insurance, and long-term care solutions. We assess coverage needs based on family circumstances and financial obligations, ensuring appropriate protection without over-insuring. Regular policy reviews maintain alignment with evolving life stages.
Estate Planning
Estate planning services ensure your assets transfer according to your wishes while minimizing tax implications. We coordinate with legal professionals to establish wills, trusts, and power of attorney documents. The process includes beneficiary designations and charitable giving strategies to preserve family wealth across generations.
People
Roger L. Miller
President
Certified Financial Planner with 50+ years industry experience. Former IPFP shareholder, Miami University graduate. Specializes in long-term financial strategies and client relationships. Active community member with interests in farming and classical music.
Peter B. Miller
Vice President
CFP professional specializing in investment planning and client services. Bowling Green State University graduate with 20+ years experience. Focuses on personalized financial solutions while maintaining active family and community life in Middletown.
Ellen M. Weed
Vice President
Certified Financial Planner with expertise in comprehensive financial planning. Ohio University graduate, former academic achiever. Specializes in family financial strategies and client education. Balances professional responsibilities with family life in Topanga, California.
Matthew A. Weed
Vice President
Dual CFA and CFP designee with aerospace engineering background. 20+ years investment research experience. Specializes in portfolio management and market analysis. Combines technical expertise with practical financial solutions for high-net-worth clients.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement strategies, college savings, estate planning, tax optimization, and risk management tailored to individual client needs.
How are your investment management fees structured?
Our fees range from 0.90% to 0.35% of assets under management annually, with a $9,000 minimum that may be waived for specific client circumstances.
Do you serve clients outside Ohio and California?
Yes, we serve clients in 18 states across the country through personalized financial planning and remote advisory services.
What makes your firm different from other advisors?
As fiduciaries, we're legally obligated to act in your best interest without product sales conflicts. Our fee-based model aligns with client interests through transparent pricing.
Can I schedule in-person meetings with advisors?
Yes, we offer face-to-face meetings and house calls in our service areas to better understand client needs and circumstances.
