About
Mark Miller and Tom Richards have developed a practice designed to help clients live the one life they have to live, the best way they can without undue financial sacrifice or overexposure to risk.
Their commitment to their clients involves a focus on long-term relationships that withstand volatile markets and outside circumstances. They make it a priority to take the time to understand each of the client’s needs and make adjustments to suit evolving goals and changing circumstances.
In January of 2021, Tom and Mark decided to establish their own firm as independent wealth advisors to more greatly enhance their ability to focus exclusively on their client’s financial needs. They formed Miller-Richards Wealth Management LLC, and joined the Registered Investment Advisor firm, Wealthcare Advisory Partners LLC, to utilize the company’s powerful GDX360® planning software.
Mark Miller
Mark Miller has been helping clients achieve their financial objectives since 1978. He graduated from the University of Detroit and has completed several portfolio management courses, including the Virginia Commonwealth University Asset Management course. After completing the extensive curriculum required, Mark earned the CERTIFIED FINANCIAL PLANNERTM designation in 1982.
Mark served in the United States Navy and is a member of several local and national civic organizations. His interests outside of work include hunting, fishing, and golf.
Tom Richards
Tom Richards began his career in the financial services industry in May of 2001 as a financial advisor with Morgan Stanley. In February 2007, he moved to Wachovia Securities, which became Wells Fargo Advisors in 2009, to form a team with Mark Miller. While at Wells Fargo Advisors, Tom and Mark focused on providing goal-based investment strategies for their clients.
Tom is a graduate of Hampden-Sydney College with a Bachelor of Arts degree. He served his country as an officer in the United States Marine Corps, specializing in Combat Engineering. Tom currently lives in Lynchburg, Virginia with his wife and four daughters.
Life Relevant Financial Advice
My objective as your Wealthcare advisor is to inspire and guide you toward pursuing the life of your dreams. I will help you explore your highest aspirations and imagine the life you may have never thought possible before. And together, we’ll create your personal “Financial Strategies” plan.
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Why Wealthcare?
Established in 1999, Wealthcare Capital Management (Wealthcare) is a very different kind of a financial advisory firm. We pioneered a new way of providing financial life guidance, using Goals-Based Wealth Management. The cornerstone of our patented goals-based investing process is quite simply to help our clients, above all else, to make the most of their life.
We accomplish this by helping you understand and identify your most important life goals. And then we align your investments with those goals. Our process guides you through the myriad of changes in your life that will invariably require financial decisions. This is what we refer to as Financial Guidance for Life.
At Wealthcare, we measure our success in our clients’ fulfillment — one client at a time.
With our goals-driven investing approach, you will:
- Have your personal goals in complete alignment with your investments.
- Always know where you stand and we’ll present your progress reports in “plain” English.
- Have confidence in your ability to reach your goals, independent of market fluctuations and changing life circumstances.
Our Process
Wealthcare’s patented process is designed to help you reach your life goals, while minimizing unnecessary investment risk or needlessly sacrificing your life now.
Our process is dynamic and continual, as is life, and it will guide you through the entirety of your financial life.
MOST IMPORTANTLY, THE WEALTHCARE PROCESS IS YOU- DRIVEN. NOT MARKET DRIVEN. IT’S POWERFULLY SIMPLE. IT’S REFRESHINGLY CLEAR.
And it all STARTS WITH A GREAT CONVERSATION
A conversation that helps you to visualize your most important life goals
Dream Big
Do you like to travel? How will you pay for your children’s education? What exactly does “comfortable” retirement look like to you? You’ll cover these topics — and more — during our initial conversation.
We’ll use this conversation as a launching pad for creating your financial life plan. My objective as your Wealthcare advisor is to inspire and guide you toward pursuing the life of your dreams. I will help you define your life goals, and most importantly, will guide you toward achieving them.
But this is just a beginning. Wealthcare’s financial plan is not a “set it and forget it” tool. It’s a dynamic financial guidance system that evolves as your circumstances and financial markets change. I will continually monitor your plan against your changing life events and your investment portfolio, keeping the two in sync. Our software runs sophisticated market simulations, designed to monitor, measure and track your progress and report back to you with clarity.
Your Comfort Zone®
You will have confidence in your financial life plan because I will be constantly performing analytics in an effort to ensure your success. At Wealthcare, we call this being in the Comfort Zone. The Comfort Zone measures the probability of reaching your financial goals. And it also alerts you if you veer off course.
John & Ann's Confidence Level is 85%
Overfunded
Comfort Zone®
Underfunded
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This chart is for illustrative purposes only.
Stay on Course
The Wealthcare process is YOU-driven, not market-driven. As your circumstances, goals and priorities change, I will work with you to make appropriate adjustments. Whatever life events come your way — from expanding your family to buying a vacation home — I will monitor and measure each event against its financial impact on your plan.
