Nitrogen Technology

Nitrogen is a cutting edge technology platform that pinpoints your acceptable levels of risk and reward with unparalleled accuracy. Knowing your risk number helps us ensure that your portfolio aligns with YOUR investment goals and expectations. Together we can take the guesswork out of your financial future.

Investment Risk Number


The first step is to take a 5 minute quiz that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains. Then we’ll pinpoint your exact risk number to guide our decision making process. 


It turns out 4 out of 5 people have more risk in their portfolios than they previously realized. Nitrogen Technology empowers us to make sure the risk number of your portfolio matches your personal risk number.

Financial Advisor
Financial Advising


After pinpointing your risk number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.


Before we’re finished, we’ll also review your progress toward your financial goals by building a retirement map. When you’re done, you’ll fully understand the probabilities of success, and what we can do to increase it.

“Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it.” -Albert Einstein

retirement planning columbia sc

The most common objections we hear when we talk to people about investing, planning for retirement, planning for college, or meeting with us in general are that they don’t have the time or the money. While there is nothing we can do about the time except work around your schedule, we have done something about the money.  At BACE Financial we only have three requirements to work with us.

1. You have to have a minimum of $25/month to invest with us. We know that everyone has to start somewhere. We don’t want you to put off starting because of net worth requirements.  We are equipped to serve everyone from the Millionaire next-door, the parent changing jobs, and the new hire just getting their first job.

2. You have to listen to our advice and act on it.  We want to help you achieve your goals, but understand some people like to take solo hikes. We love solo hikers and DIY’ers.  We just might not be the right fit for you.

3. You can’t keep us a secret.  We love referrals and want to help the people you care about too.  If you like the services we provide, pass it on.

When it comes to investing we are hybrid representatives. This means we can get paid on a commission, or fee base depending on what is best for our clients. If you have questions with business planning, retirement accumulation, saving for college, or just growing your money shoot us an email today. We want to help you achieve your goals.

We tailor our advice to your needs. Your needs could lead us to investing in the markets. If your plan does include investing in the markets, please know that any money invested in the markets is subject to loss, and is not FDIC insured. Past performance of funds is not a guarantee of future returns.

BACE Financial provides:

Lifetime income planning

Lifetime income planning


Wealth management options

Wealth management options

Retirement planning

Retirement planning

Estate planning

Estate planning

Securities offered through Regulus Financial Group, LLC, Member FINRA /SIPC. Advisory services offered through Regal Investment Advisors, LLC an SEC Registered Investment Advisor. Regal Investment Advisors and Regulus Financial Group are affiliated entities. Bace Financial is independent of Regal Investment Advisors and Regulus Financial Group. Registration with the SEC does not imply any level of skill or training.

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.