# Melissa Miller

> Melissa Miller is a fee-only financial advisor at Sovereign Financial Services in Phoenix, Maryland. Melissa charges a percentage of assets (1% a year on the first tier of assets managed) and focuses on retirement planning and divorce financial planning.

Page: https://find.wellspent.co/advisors/melissa-miller/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Sovereign Financial Services
- **Based in:** Phoenix, Maryland
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $92.1M across 439 accounts
- **Specialties:** Retirement planning, Divorce financial planning
- **Works with:** Divorced individuals
- **CRD:** 6616584 (https://adviserinfo.sec.gov/individual/summary/6616584)
- **SEC registration:** Investment adviser representative in MD
- **Exams passed:** Series 65 (2016)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://www.sfsadvisers.com

## Frequently asked questions

### Is Melissa Miller a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Melissa holds no broker registration, and Sovereign Financial Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Melissa charge for financial advice?

Melissa charges a percentage of assets.

### How much does Melissa charge?

According to Sovereign Financial Services's website, checked October 30, 2026: 1% a year on the first tier of assets managed.

### Where is Melissa Miller based?

Melissa Miller is based in Phoenix, Maryland.

### What does Melissa specialize in?

Melissa's specialties include retirement planning and divorce financial planning. Melissa works with divorced individuals.

### Is Melissa Miller registered with the SEC?

Yes. Melissa Miller is registered as an investment adviser representative in MD (CRD 6616584), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Sovereign Financial Services manage?

Sovereign Financial Services reports $92.1M across 439 accounts in assets under management.

### How do I contact Melissa Miller?

Through Melissa's website, www.sfsadvisers.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6616584): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (http://sfsadvisers.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.