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Joey Miller, an investment advisor based in New Braunfels, Texas, never imagined that his early years as a single father working overtime at a papermill would lay the groundwork for a thriving career in finance. Focused on making ends meet while raising a toddler, Miller’s priorities revolved around survival. However, an unexpected spark of curiosity about his 401(k) set him on a path that would redefine his future.
“I didn’t plan for a career in finance,” Miller recalls. “But once I started learning about investments, I realized it could change not only my life but also my child’s future. That’s when everything shifted.”
That initial interest in his 401(k) evolved into a passion that catapulted him into a financial career spanning over two decades. Driven by his relentless work ethic and dedication to his clients, Miller built a reputation for not just managing money, but also for investing alongside his clients.
Today, Joey Miller is a trusted advisor and partner with John Galt Wealth, dedicated to the security and prosperity of his clients’ portfolios.
“I believe my success stems from hard work and shared commitment with my clients,” he says. “I’m right there with them—investing in the same opportunities. Together, we share in the successes and the failures, learning from each step along the way. When something works, we aim to replicate it. When it doesn’t, we refine and improve.”
Education, Innovation, and Embracing Change in a Dynamic Industry
Beyond his role as an investment advisor, Miller is a published author with several works on economics and finance to his name. His passion for education extends beyond the written word, as he frequently takes the stage as a keynote speaker, sharing his insights on investing with audiences nationwide. A firm believer in the power of group education, Miller actively promotes training events and workshops designed to demystify complex financial concepts.
Creativity and innovation are central to his business strategies.
“Unlike many other industries, we have a vastly changing technology-centric field of work,” Miller says. “We are slow to change the system people see, as we want to focus on being dependent and consistent. Still, we are constantly looking at new CRM systems, docusigning systems, research systems, and tools and resources to help us be more proficient. We go to events and seminars in our industry to see changes and meet new people in our industry.”
Miller’s pivotal career shift occurred not long after leaving the papermill. While former colleagues faced the harsh reality of the mill’s closure, Miller pursued a path in finance. He started with an entry-level role as an options educator advisor, where he immersed himself in the complexities of trading and investment management. This was the springboard for his rise in the financial world.
“I wanted a career with longevity, something I could truly be passionate about,” he says. “More importantly, I wanted to help people—people like my former coworkers—navigate financial uncertainty and create stability.”
Determined to excel, Miller earned Series 22, 63, and 65 securities licenses, which positioned him as a trusted advisor. Over the years, he has worn many hats: options trader and keynote speaker. Yet, his most cherished role is empowering everyday individuals to achieve financial independence.
“When I see clients gain confidence in understanding their investments, it’s incredibly rewarding,” Miller shares. “It’s not just about managing money; it’s about empowering people.”
Miller’s financial philosophy is rooted in a balance of conservatism and creativity. One of his hallmark strategies involves leveraging Roth IRA conversions during asset devaluation. By moving investments from traditional IRAs to Roth IRAs at opportune moments, he helps clients minimize tax liabilities while maximizing growth.
“We’re not just managing assets,” he explains. “We’re planning for the long haul. When clients see the long-term tax savings from this strategy, it’s a game-changer.”
Despite his achievements, Miller emphasizes the importance of adaptability. “The financial world evolves rapidly,” he says. “Staying ahead means attending seminars, researching new tools, and consistently reevaluating our strategies to meet client needs.”
While finance might seem purely analytical, Miller highlights the subtle role creativity plays in developing personalized plans for clients.
“Every client’s situation is unique,” he explains. “Building customized investment strategies requires thinking outside the box, but always staying grounded in practical solutions.”
One creative venture Miller is particularly excited about is his upcoming book. Aimed at demystifying investing, the book will simplify complex financial concepts like cap rates, leverage, and risk-adjusted returns.
“Finance can be intimidating,” he notes. “My goal is to make it accessible, helping people feel confident when making decisions about their money.”
Reflecting on his career, Miller emphasizes the importance of persistence and education. “I’ve learned that success doesn’t come overnight,” he says. “Be willing to invest in yourself—read, learn, and ask questions.”
Miller also stresses the value of seeking professional guidance. “Financial planning can feel overwhelming, but you don’t have to navigate it alone,” he advises. “Find a trustworthy advisor who aligns with your goals and values.”
Miller credits much of his professional success to the guidance of mentors and his own commitment to lifelong learning. From his early influences to his current role as a mentor, his career is marked by a deep respect for knowledge and a passion for growth.
“There have been many mentors throughout my life,” Miller shares. “Early on, it was Warren Buffett and Benjamin Graham through their books. They taught me the importance of remaining unemotional and systematic during volatile markets. Later, I learned to navigate that volatility through stock options and opportunistic real estate strategies.”
These lessons extended into actionable advice on diversification and risk management. Miller learned to focus on areas of economic growth and to remain flexible in the face of change. “Diversification is critical,” he emphasizes. “Whether it’s a change in local policies, federal regulations, or global events like pandemics, being prepared for the unexpected is essential.”
Joey Miller’s Approach to Mentorship
Within his organization, Miller fosters a culture of collaboration and shared growth. “We train, retrain, and share ideas to stay current with technology and trends while focusing on solid fundamentals,” he says. “Everyone’s input is valued, and together, we work to better serve our clients.”
Miller’s philosophy is rooted in open communication and adaptability. “The mentor often becomes the mentee, and vice versa,” he explains. “Every discussion, every shared idea, leads to mutual improvement.”
Reflecting on his career, Miller shares a critical piece of advice: embrace the process. “This is a marathon, not a race,” he says. “Change is constant, and every client will experience moments of loss or frustration. The goal is to stay focused on the portfolio’s overall return, understanding that some investments will outperform while others may underperform.”
Miller’s experience has taught him that patience and persistence are key. “When challenges arise, it’s about working through multiple cycles and staying committed to the process,” he says. “Success comes from facing adversity head-on and learning from every step of the journey.”
Amid a demanding career, Miller finds balance through his family and faith. Living in New Braunfels with his wife Kristen and their four children, he cherishes activities like fishing in Alaska and participating in the equestrian sport of reining.
“Family keeps me grounded,” Miller shares. “They remind me why I started this journey in the first place.”
Faith is another cornerstone of his life. “Integrity and doing what’s right guide me,” he says. “These principles are the foundation of both my personal and professional life.”
