Who We Are

“The Purpose of human life is to serve, and to show compassion, and to help others” -Albert Schweitzer

Richard’s journey to financial planning began in 2019 after his dad passed away from a 3-year battle with pancreatic cancer. While helping his mom navigate everything his dad left – life insurance, retirement accounts, and benefits, he realized that people’s finances can get complicated without a map and regular navigation checks.

Now, Richard uses the BACE Camp Approach to help businesses, individuals, and families plan their financial journey, by charting out a trail that gets them there as efficiently as possible. Richard gained a love for the outdoors when he was in high school earning the rank of Eagle Scout. He and his Fiancée Delaney, and their two dogs are in Columbia, SC living in a house divided, where they enjoy hiking, the white-water center, playing board games, volunteering with Emanuwheel, and Oliver Gospel and trying the newest restaurants.  Richard graduated from Clemson in 2016 with a B.S. in Economics and a minor in Communications. 

Anchored by the core belief that “We were put on this Earth to serve” Richard best serves clients that-

  • Are just getting going and need help planning their financial journey, it’s easy to get lost on a hike if you don’t know where you’re headed.
  • Are concerned that their current plan is not going to get them where they want to go, a life jacket is great if you are going canoeing, but not very helpful if you’re rock climbing.
  • Are in need of help managing their 401K.  Everyone can follow a trail marker, but the journey is a lot more fun with a guide show you the best spots. 
  • Are worried that their money will run out. You don’t want to hike to the perfect campsite, spend the night just to wake up the next day with no food because of a hungry bear.
  • And people who want to leave a legacy for their families. Tents are great, but maybe a log cabin would be better in your favorite spot so generations of your family can do more than visit.   

Many of Richard’s best client relationships have been related to:

  • Individuals and families that desire financial independence and recognize that money is a tool needed to achieve it.
  • Business owners that want to maximize the financial advantages of owning a business. 
  • Friends, family members and their referrals of others that they care for.
  • Those that live by the Golden Rule and treat others the way they want to be treated.

Richard Miller is a licensed insurance agent with various insurance companies and may receive additional compensation for such transactions. These commissions are separate and distinct from fees charged for advisory services. All insurance and investment strategies have the potential for profit or loss. Always consult with a licensed insurance professional who is qualified to evaluate your specific circumstances and to offer a professional opinion with respect thereto. Insurance product guarantees are subject to the claims-paying ability of the issuing company and are not FDIC insured.

Bace Financial does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Bace Financial web site or incorporated herein and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.